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Old 09-28-2013, 09:03 PM   #1
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Insurance - question and comment

Question: With my 21 soon to be ready, I called Good Sam about insurance. While I have another insurance company for everything else, they have always been my RV insurer, as well as emergency road service. They gave me a quote, but it seems high. @$850 a year with $500 deductable. This was for full replacement, personal property, etc. But it was mainly comprehensive and collision. Certainly for a motorized RV or a car, but do I need that for a trailer? What do most people do?

Comment: After a friend had a minor heart attack when we were attending a conference years ago, and I found how difficult it was to manage things when far from home, I enrolled in a medical evacuation plan. Emergency Travelers Assistance | Good Sam TravelAssist If you don't have it, it's a good idea and not expensive. They'll get you home, your pets home, your RV home, your family to you, etc. JMO
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Old 09-28-2013, 09:26 PM   #2
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I pay $220 for replacement, contents ( $5,000 personal property ) etc. Deductible is $250.
You best get a quote from HUB International and compare as I am in B.C. so liability is under another policy ( $90, which includes license ). Be worth the effort though.
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Old 09-28-2013, 09:42 PM   #3
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I Have Safeco Insurance on my tow vehicle. They added the Escape to the tow vehicle insurance with a $1,000 Deductible for $178.00 a year. Coverage is for Comprehensive, Collision and Replacement.
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Old 09-28-2013, 10:31 PM   #4
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Quote:
Originally Posted by 182king View Post
I Have Safeco Insurance on my tow vehicle. They added the Escape to the tow vehicle insurance with a $1,000 Deductible for $178.00 a year. Coverage is for Comprehensive, Collision and Replacement.

Our trailer insurance, grouped with our auto insurance, is very similar to this in coverage and price...but we have zero deductible as it was only 2 or 3 dollars more.
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Old 09-28-2013, 10:43 PM   #5
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One question I was asked, which may impact your quote, is where the trailer is kept. I think it helps if it is kept at your home.
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Old 09-28-2013, 10:51 PM   #6
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Thanks. It will be kept at home. I think they were quoting as if it were a motor vehicle; i will check with my regular insurance. My tow vehicle is less. I thought it seemed wrong! So I take it there is no worry about collision, that would come under the tow vehicle?
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Old 09-28-2013, 11:53 PM   #7
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Talk to the agent and get a couple quotes. You'll likely get a better deal from the company you use for home and auto.
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Old 09-29-2013, 10:48 AM   #8
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You have to really double check that they are quoting you for a towable trailer...not a motor vehicle of the same name...Ford Escape. Even when we had our Scamp they had to be careful not to list it as a Plymouth Scamp!
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Old 09-29-2013, 01:09 PM   #9
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My former Ins Co. (21st Century) wanted $400/yr for full trailer insurance. I went to AARP/Hartford and got the same insurance for half the price. If you're 50 or older (and live in the U.S.) you can sign up with AARP and avail yourself of this deal. They gave a better price for our car insurance, too.

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Old 09-29-2013, 01:28 PM   #10
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I hear that you can open your own paper recycling business if you join AARP.

But, if you get a quote, you can then take it to your existing carrier and ask them to compete.
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