Trailer Ins in the US - Escape Trailer Owners Community

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Old 07-28-2015, 11:53 AM   #1
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Trailer Ins in the US

We are looking at quotes for trailer insurance in the US and so far have 3. Allstate, AARP the Hartford, and Progressive. Way different coverages for all 3. Hard to compare apples to oranges when they won't quote the same. Allstate (which we already insure all our other vehicles) with deductibles of 500 collision, 250 comp quoted out at $264/year, but using the truck ins for roadside help if needed, and house insurance for personal effects. No Mexico coverage.
The Harford - adding on the trailer and moving our vehicles was almost $1000 cheaper than Allstate! Hartford had 15 months of full replacement coverage and then after 15 months would be actual cash value (I guess by insurance adjuster coming out to review), with homeowner for personal effects, and truck for towing and roadside assistance.
Progressive quoted for $250 deductible with full replacement cost for 5 years, then actual cash value, $750 for food and lodging for trip interruption, $10,000 injury coverage while camping, $1000 personal effects, and roadside assistance. Can deduct $39 for leaving off the roadside assistance and personal effects (cause you can use your homeowners and truck ins right?) Progressive cost was $567/year.

Tough to make decisions on insurance when you've never had to put in a claim. Do you go with the lowest quote? Or stick with what you've had for 20 years?

Anyone out there that has had to put in a claim at Allstate, the Hartford or Progressive?
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Old 07-28-2015, 12:41 PM   #2
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Old 07-28-2015, 01:06 PM   #3
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Old 07-28-2015, 01:09 PM   #4
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If you can, look into insuring with USAA. My Escape has C&C and roadside assistance with a $500 deductible. $53.39 per 6 months. I couldn't believe how much cheaper it was than all the other quotes I got. In fact, I moved over my home and car insurance from State Farm. They have great customer service and online tools. Much happier now!
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Old 07-28-2015, 01:27 PM   #5
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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.
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Old 07-28-2015, 07:45 PM   #6
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If you can, look into insuring with USAA. My Escape has C&C and roadside assistance with a $500 deductible. $53.39 per 6 months. I couldn't believe how much cheaper it was than all the other quotes I got. In fact, I moved over my home and car insurance from State Farm. They have great customer service and online tools. Much happier now!
Different states, different quotes- just got off the line after 20 minutes with USAA. I had been insured with them since I got my driver's license at age 15. About 17 years ago we were given a hand-me-down Class C and the rates with AAA was the same with the motor home included as I was paying USAA for just the cars.

Fast-foward and it gets worse here: from $1314/year with AAA to $1990 with USAA. Blame it on CA I guess- but I never found them to be competitive for homeowner's either. So bottom line is you gotta shop your own local market and then try to make an informed decision about the rest of the nuances with insurance, because there are like a gazillion of them.
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Old 07-28-2015, 07:55 PM   #7
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Several companies will do full replacement for five years including some Good Sam companies and Allied. Of course, that will cost you far more than the usual quotes. I think we were told that we could not get Progressive unless we insured our vehicles also.
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Old 07-28-2015, 11:02 PM   #8
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We have been with State Farm for over 30 years but now feel like they are starting to get out of line. A lot of steep premium increases and no claims. I was not happy with the quote for the trailer and probably will put it all out for bids. That is 6 different policies. I also thought that USAA insured RV's through Progressive. Loren
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Old 07-29-2015, 01:14 AM   #9
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Several companies will do full replacement for five years including some Good Sam companies and Allied. Of course, that will cost you far more than the usual quotes. I think we were told that we could not get Progressive unless we insured our vehicles also.
Not true for me Cathy I have the progressive for trailer and still have State Farm for my other vechicles . The trailer is with progressive for the full replacement for 5 years that State Farm does not do . My agent told me to go to them -progressive for this coverage . Pat
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Old 07-29-2015, 01:19 AM   #10
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Not true for me Cathy I have the progressive for trailer and still have State Farm for my other vechicles . The trailer is with progressive for the full replacement for 5 years that State Farm does not do . My agent told me to go to them -progressive for this coverage . Pat
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
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