Journey with Confidence RV GPS App RV Trip Planner RV LIFE Campground Reviews RV Maintenance Take a Speed Test Free 7 Day Trial ×
 


Reply
 
Thread Tools Search this Thread Display Modes
 
Old 04-01-2009, 10:42 AM   #1
Seasonal Camper
 
CygnusSailor's Avatar
 
Join Date: May 2006
Location:
Posts: 260
Do others carry specific insurance on the trailer or does the truck insurance also cover the trailer? If you do carry insurance specifically on the trailer is it a rider on the truck insurance or a completely separate policy?



Thanks,
__________________
Gary and Pat Harkins

Dodge 3500, 2011 CF305SKP
CygnusSailor is offline   Reply With Quote
Old 04-01-2009, 10:59 AM   #2
Family Vacation Member
 
Ridgeman's Avatar
 
Join Date: Dec 2006
Location: MAGALIA, CA
Posts: 219
Gary, You will need separate insurance for the trailer. Normaly it can be included on the same insurance policy with your other vehicles. I have Good Sam (GMAC) insurance for my truck, car and trailer. A nice feature of their insurance is that they let you turn off all but your comprehensive on the RV when it is not being used. It saves a few bucks in the off season.
__________________
Kurt and Gloria

2007 CF30SK Cruiser

2006 Dodge 5.9 CTD,48e,4x4,QC

https://i162.photobucket.com/albums/t...CRUISER1-1.jpg
Ridgeman is offline   Reply With Quote
Old 04-01-2009, 11:11 AM   #3
Full Time Camper
 
Hunter11's Avatar
 
Join Date: Oct 2004
Location: Central Texas
Posts: 2,510
As Kurt said, separate insurance on the trailer.
__________________
17 Chevy 3500 DRW 4X4
16 Mobile Suites 36RSSB4
2 Mini Dachshunds
Hunter11 is offline   Reply With Quote
Old 04-01-2009, 12:24 PM   #4
Full Time Camper
 
papa2's Avatar
 
Join Date: Aug 2007
Location: Michigan
Posts: 544


WARNING! *MY ANNUAL LONG INSURANCE POST!
Your tow vehicle extends liability coverage to the trailer automatically. *Physical damage coverage (comprehensive/collision/towing) must be purchased separately. *You normally have the option of adding the coverage to your existing auto insurance policy or you can buy a separate policy through a specialty insurer such as Foremost. *A few companies (Progressive comes to mind) will not allow you to add the trailer to the same policy as your other vehicles. *

If your trailer is financed be sure to get permission from your lender before removing any physical damage coverage. *A few companies will insist you keep both comprehensive and collision coverage on as a package year round. *Others will allow you to drop collision coverage while you're storing it. *You'll also find a range of options including replacement cost coverage and trip expense coverage if you have a covered loss.

There is no one right way or best way to cover it. *If you're a full timer you have special needs and will want to investigate the unique coverage provided by the specialty carriers. *Just using in on weekends and for a two week vacation? *Coverage on your auto policy is just fine. *Living in your RV part time? *Maybe coverage on an auto policy is all you need, but perhaps the specialty companies will offer coverage you need for your situation. *What if it's in a park and you don't tow? *Special concerns to discuss with your agent. *Not only are you concerned about damage to the trailer, you also need to be certain you have liability coverage both while you are at the trailer as well as while no one else is there. *Contents coverage can also be a concern. *Amazing what we all pack into them, isn't it?

NO, there is no one best company. *NO, can't compare my rate with yours, at least not in any relevant way. *Rates depend on you, the value you insure the trailer/5er for, deductibles, zip code (rating territories), state, insurance score, extras and so on. *You're welcome to be your own insurance agent but I would always suggest finding a competent agent you trust and work through your needs with her/him. *

Happy camping! *



Edited by: papa2
__________________
Al & Karyl

'08 Sunset Trail ST29RL

papa2 is offline   Reply With Quote
Old 04-01-2009, 12:29 PM   #5
Full Time Camper
 
Stan's Avatar
 
Join Date: Apr 2006
Location: 1
Posts: 2,036
One additional note. I always make sure that I have added "towing" to the RV policy. That way if my truck is towed to a repair facility, the RV is covered for the same towing service.
Stan is offline   Reply With Quote
Reply

Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


» Featured Campgrounds

Reviews provided by

Powered by vBadvanced CMPS v3.2.3
Disclaimer:

This website is not affiliated with or endorsed by Crossroads RV or any of its affiliates. This is an independent, unofficial site.


All times are GMT -6. The time now is 10:24 PM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2023, vBulletin Solutions, Inc.
×