Escape Trailer Owners Community

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-   Paper Escape (http://www.escapeforum.org/forums/f33/)
-   -   Insurance (http://www.escapeforum.org/forums/f33/insurance-1611.html)

gabeck 06-28-2012 08:24 PM

Insurance
 
Learned something interesting today ( but maybe everyone else already knows this ) If one buys insurance for a travel trailer ( value approx. $22,000.) connected to ones auto insurance it is more expensive than if ones buys it connected to ones home insurance . In our case it would be $358. for a year with the auto policy .... $178. for a year on the home policy . Both includes collision, vandalism , fire/hail and both are with the same company ..... HUH ........ reason is supposedly that the home " policy ' recognizes that there are very few claims for rvs ?????

cpaharley2008 06-28-2012 08:37 PM

Re: Insurance
 
possibly they think the rv is being used as a second home and not being towed behind the car for 1000's of miles? I'll have to ask my insurance agent the same.

gabeck 06-28-2012 09:12 PM

Re: Insurance
 
The coverage in both cases is collision/hail/fire/vandalism regardless of where the trailer is located , on the road / campground /parking lot or streetside ........

gbaglo 06-28-2012 09:26 PM

Re: Insurance
 
It matters where you keep the trailer when it is not in use.

You pay less if you keep it at your home. My trailer insurance isn't connected to my car insurance, but that was a key question I was asked. Where does it reside?

baglo

Jim Bennett 06-29-2012 12:47 PM

Re: Insurance
 
My insurance is the same no matter where it is stored. Could be some carriers care, and others don't. It is in my driveway from Easter to Thanksgiving, but stored alongside a rental garage the rest of the year.

gbaglo 06-30-2012 09:24 PM

Re: Insurance
 
Since I just renewed and have my papers right here, some numbers for comparison:

I have deluxe coverage ( regular ).
Guaranteed replacement cost ( $250 deductible )
Detached private structures ( $5,000 )
Personal property ( $5,000 )
Emergency vacation expense ( $200/day, $2,000 max )

And, this year it cost me $207.00

It's AVIVA Elite through HUB International

baglo

gbaglo 06-30-2012 10:15 PM

Re: Insurance
 
Actually, another potential factor to if it is connected to home or auto is:

When we bought our first house, the insurance was half what we were paying for tenants' insurance in a basement suite.
I think it all comes down to their assessment of the risk. And, home owner carries less risk.

baglo

gbaglo 06-23-2014 05:34 PM

Quote:

Originally Posted by gbaglo (Post 17151)
Since I just renewed and have my papers right here, some numbers for comparison:

I have deluxe coverage ( regular ).
Guaranteed replacement cost ( $250 deductible )
Detached private structures ( $5,000 )
Personal property ( $5,000 )
Emergency vacation expense ( $200/day, $2,000 max )

And, this year it cost me $228.00

It's AVIVA Elite through HUB International

baglo

And I double checked. Should my trailer be written off or stolen, it would be replaced with a 2014 Escape 17B. Next year, a 2015.

CADreamin 06-23-2014 05:43 PM

I checked with several insurance companies (Allstate, State Farm, etc.) and all of them told me that in order to insure the trailer, I had to also insure the tow vehicle with them. (We have State Farm for just about everything so I ended up using them.)

abby 06-24-2014 06:42 AM

We just received our VIN from ETI yesterday, so this is a timely thread. In neither this thread nor the other two "insurance" threads (under Paper Escape) is there any mention of Good Sam. Is there anyone who can advise about their coverage? We have AAA for house, vehicles, etc.

Regarding roadside assistance, we're concluding that -- based on yet another thread -- that GS is superior to other roadside assistance insurances. Would anyone advise differently?

tractors1 06-25-2014 03:12 PM

Had to chuckle when I worked on getting a Good Sam quote as Escape wasn't listed on their menus I had to call in. The agent remarked "we need to add Escape to our menus because you're the 3rd call this week and there seem to be more and more of them out there"..........

BTW, they were 80% less than adding it to my truck policy with Farmers Insurance.

gbaglo 06-25-2014 05:52 PM

Quote:

Originally Posted by tractors1 (Post 56923)
Had to chuckle when I worked on getting a Good Sam quote as Escape wasn't listed on their menus I had to call in. The agent remarked "we need to add Escape to our menus because you're the 3rd call this week and there seem to be more and more of them out there"..........

BTW, they were 80% less than adding it to my truck policy with Farmers Insurance.

This thread is quite disheveled. Somehow we are talking both road-side assistance and trailer insurance. I would try to sort it out, but have no idea where to start.
So, please, at the top of your post, put Trailer Insurance, or put Road-side assistance.

cpaharley2008 06-25-2014 05:59 PM

Are they not both a form of insurance? But yes someone may need to insure their trailer versus insure that they get their flat fixed or a tow home.

gbaglo 06-25-2014 06:00 PM

Quote:

Originally Posted by cpaharley2008 (Post 56935)
Are they not both a form of insurance? But yes someone may need to insure their trailer versus insure that they get a their flat fixed or a tow home.

Apples and oranges are both fruit.
I have split Road-side Assistance from Insurance. If somebody finds their post under the wrong label, PM me.

gbaglo 06-27-2014 05:20 PM

Got my insurance papers today. Has separate sewer backup endorsement. Not sure how I could ever have to use that coverage.

cpaharley2008 06-27-2014 05:38 PM

Ha Ha, sounds like your homeowner and rv got switched, check and see if your home has accidental theft or road hazard damage!!!!

Donna D. 06-27-2014 05:52 PM

I'm thinking black water backups are typically one of the worst accidents that cause damage... other than fire. And may be more common than we know.

cpaharley2008 06-27-2014 05:54 PM

I seriously doubt you will find insurance coverage for sewer back up in your rv!!

gbaglo 06-27-2014 05:54 PM

For $9, I'm not going to sweat it. But, seems to me an event defying the laws of gravity is unlikely.
Apparently, I've always had it, but it wasn't broken out as a separate.
Have earthquake too.

abby 06-27-2014 06:08 PM

Quote:

Originally Posted by gbaglo (Post 56934)
This thread is quite disheveled. Somehow we are talking both road-side assistance and trailer insurance. I would try to sort it out, but have no idea where to start.
So, please, at the top of your post, put Trailer Insurance, or put Road-side assistance.

I think I introduced the impure thoughts regarding roadside insurance. Sorry.

In my defense, I thought that all insurance is sort of like a hole into which one pours money and yet no cheese is in sight. :D

Glenn


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