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Old 03-09-2017, 12:09 AM   #31
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Location: Notasulga, Alabama
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Our Good Sams was also underwritten by Progressive. Comprehension and collision ($500 deductible; deductible drops 25% per year if no claims; I believe it was 0 deductible for "Acts of God" like hail), full replacement for 5 years; emergency road assistance up to $750, loss of personal items up to $3,000, vacation liability up to $100,000 (if someone else gets hurt in our camper). Refund for documented time in storage. $435/year in Alabama (higher than North Carolina) for trailer only because tow vehicle is tied to homeowners policy with different carrier for bigger bundling discount. Homeowners policy carrier doesn't cover campers.
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Old 03-09-2017, 12:11 AM   #32
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Quote:
Originally Posted by NCopp View Post
One other note. We switched to State Farm for our home and auto insurance and they use a third party for trailer/rv insurance. The agent recommended Progressive for trailer insurance as a personal comment.
Irony - State Farm doesn't insure farm stuff. Go figure....
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Old 03-09-2017, 01:35 AM   #33
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I have not heard of any company giving full replacement for life or anything that exceeded five years, or possibly six. Better check on exactly what they are referring to and check the exact wording on the policy.

Policy costs differ considerably from state to state and even within the counties of the state, for exactly the same coverage. One person's quote means nothing for another's location. Where your trailer is garaged is likely what your company will use to determine your policy cost and you can save if in the "right" county.

On dropping some insurance while stored, I know of someone who did that and then were not covered when an incident occurred during storage.

There are so many situations regarding insurance that we can hardly begin to get it all straight.
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Old 03-09-2017, 01:49 AM   #34
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Yup. And, believe it or not, your credit rating is another factor they take into account.
I've had full replacement for eight years now. I've asked because that seems unusual, and mine is still in force.
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Old 03-09-2017, 01:52 AM   #35
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I remember yours as eight now. I should have qualified that as in the U.S. You have some better deals in Canada on insurance.
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Old 03-09-2017, 01:59 AM   #36
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Don't know about that.
If the company that insures my house demands a plumbing inspection ( they asked ) like the electrical inspection ( cost me $1,500 in upgrades ), I'll be moving into the trailer, and then they'll raise my rate.
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