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Old 07-29-2015, 02:10 AM   #11
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Originally Posted by Patandlinda View Post
Also am on 2nd year and it went down to 307 .,that also includes road assistance which also includes my tow vehicle . Just got off phone with them today . Pat
That is good to know. I have to wonder if I was told the wrong thing. I will have to ask about that again. Thanks!
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Old 07-29-2015, 07:31 AM   #12
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Check the limits on ERS when you buy through your car insurance company. I have Amica, when I got my new policy this year I noticed they had it down for $100 limit per incident. Didn't need insurance for a $100 tow, it's the multiple tow truck long haul I wanted to insure for. Went back to Good Sam.
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Old 07-29-2015, 10:44 AM   #13
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We went with our combo home-and-auto carrier (Kemper) at first for our 21. But continued forum reading (and the ridiculously low premium Kemper charged us) made me realize I really, really wanted that early-years full replacement value, and Kemper doesn't do that.

So I looked into Progressive and Good Sam. I tried Good Sam first, using their online tools, and soon learned it would require a phone call and who knows how much time, because their online tool didn't know who Escape Trailer Industries is. (I thought EVERYONE knew!) On the Progressive site I could do the whole thing online. Great coverage, reasonable premium.

Interestingly, Good Sam called me a week or so later and asked if I wanted to complete my online application for coverage, and I explained I had gone with Progressive. They wanted to know why, and I related my online experience. The agent admitted they "don't keep the online side up-to-date sometimes."

For most people it wouldn't make any difference. I just don't like being on the phone so much. Anyway, I too have Progressive while my cars are insured elsewhere. They were ready to earn my business in a way that suits me.
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Old 07-29-2015, 03:50 PM   #14
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Total Loss Replacement

I'd never been a fan of “Extended Warranties”, “Total Loss Replacement”, and the likes. If my new refrigerator, new washer, new dryer or new stove went belly up it'd be before the manufacturers warranty expired. Why buy additional insurance?

But now with all the talk 'bout Total Loss Replacement I finally decided to check out Progressive, (currently I have Home Owners through them), and compare their TT rates with my current insurer GEICO. GEICO uses rediculous limits on Emergency Expense $1M, Replacement Cost Personal Effects $5M and Vacation Liability $10M. Granted, there's no additional premium for these but $1M? $5M? $10M? The day I have $5,000,000 worth of personal effects in “Escaping Reality”, heck, even my home, I won't need insurance. GEICO does offer Total Loss Replacement but only within 30 days of the TT purchase so now I can't get it with them. Progressive, on the other hand, does offer it even 5 months from the date of purchase.

Back to my story; 1 year TT coverage with GEICO is $250, with Progressive and with Total Loss Replacement, is $284, $34 a year more. Or as some commercials would say, “Less than $3 a month”. Now if I were to compare my car insurance Progressive is $16 a year less. So to insure both the TV and TT with Progressive I'm talking only and additional $8 a year and that would include Total Loss Replacement.

Perhaps it's time for this Ole Man to reconsider this.
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Old 07-29-2015, 04:03 PM   #15
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We're USAA as well and the 17B is about $48 a year. When your on the hitch it comes under your Auto Policy, probably why some folks don't unhitch in the campground.
I never thought of this. Our insurance company mentioned that it is part of our vehicle coverage but never thought to ask what happens if it's unhitched!

Lots of things to review.

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Old 07-29-2015, 04:08 PM   #16
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What is total loss replacement? Does that mean no deductible or is it the same as mine, guaranteed replacement. If my trailer were totaled or stolen and not recovered, my insurance will buy me a new 17B with the same options. As I recall, the deductible is $250. My trailer is now seven years old and still has guaranteed replacement.

But, I'm not in the US and neither is my insurance company.
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Old 07-29-2015, 04:27 PM   #17
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What is total loss replacement? Does that mean no deductible or is it the same as mine, guaranteed replacement.

Mine is called "comprehensive Total Loss Replacement at Current Purchase Price". It goes 5 years from coverage date. I have a $500 deductible - Progressive.

Effectively the same coverage as you Glenn- they replace at the current model year price with the same options. Just a different name.
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Old 07-29-2015, 05:51 PM   #18
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Just got the Progressive quote: $255/$500 deductible. They will write the Total Loss Replacement as mentioned above to the original owner and if the trailer is less than a year old. My AAA premium is $260, so am tempted- just wondering what the claims experience is. I know AAA's is fantastic from what my son went through(on his own policy).

Has anyone settled a claim with Progressive and gotten a new trailer?

Edit: after searching claims reviews online with Yelp & Credit Karma I'm going to stick with AAA.
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Old 07-29-2015, 06:12 PM   #19
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Hmm...suggest people get their Progressive quote online as you see other options and the rate is slightly lower than with an agent. The above quote online is $243, BUT for $307 the deductible goes to $250 and the contents insurance is $5,000 vs. $1000. Emergency expenses is $2,000 vs. $750.
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Old 07-29-2015, 06:50 PM   #20
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Trailer Ins in the US

Trying to compare prices based on what others are quoted is mostly irrelevant. They vary widely by state, by city, and by a number of other factors. If I lived about 50 miles west of San Antonio for example, the rate would be half.
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