mrmoose404
Finger Lakes, New York
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Joined: 07/31/2006
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Hello,
1) Do you carry insurance on your campers ? 2) If you do what kind is the BEST deal for the price. 3) Has anyone filed a clain on there policy and was happy with it...
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catvet
Atlanta
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Joined: 09/22/2007
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I was in a hurry when I bought my pup so I just called my State Farm Agent to get basic coverage (very cheap) as a requirment for financing. Eventually, I want to go with GMAC since Good Sam offers a discount. Some things to look for: Full Replacement Coverage (RV's depreciate quickly), Personal belongings coverage for your stuff, Storage Coverage (suspends some of the coverage off-season to save money), Emergency Expense Allowance. Some also offer Campsite liability if someone gets hurt in your rented campsite.
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PattieAM
Maryland
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Joined: 08/03/2005
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As catvet mentioned.
Mine too is on my automobile policy, and in July a storm broke a branch off a tree and tossed it and it poked a hole in the roof of my camper. No problem, insurance worked with dealership (estimates/orders/etc) and all was well.
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Wildcat63
MN
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Joined: 07/09/2006
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We just had the Comp and Collision added on our vehicle insurance policy. As long as your towing it it is covered under your liability policy. Though I suppose that if it were to roll out of the driveway on it's own and crash into a Mercedes things might get a bit dicy. The cost of adding on the trailer was I think under $50.00 for every 6 months.. I would assume as long as your happy with your car insurance you should be happy with their coverage of your trailer.
Wildcat63
07 Coachmen Clipper Classic 1070ST
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b2220128
29.72 North by 95.5 West
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Joined: 03/03/2005
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I have my PUP insured as a addendum to my auto policy for replacement value. The cost is fairly low. This is because the liability while driving is already built into your auto policy, so the insurance is mostly a comprehensive policy. Depending on the laws where you live, your homeowners policy should also provide some coverage, particularly liability and personal property theft while camping. If these policies are not enough to make you feel comfortable, you can get a one million dollar umbrella liability policy added to your homeowners for a reasonable cost.
Tom
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4hapyMcDs
Southern Ont. Canada
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Joined: 11/09/2006
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Our's too is with our auto insurance. We have full coverage for it parked or in tow. With extra coverage for our camping gear. It was even suggested of us to take pic's of it, inside and out.
The outdoors is a wonderful place to be....
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phipps33
Sidney, Ohio
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Joined: 01/29/2007
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We have ours insured as an add-on to our auto policy with State Farm. My policy costs me around $75/year.
Gary N8WSQ
Charlotte DW
Gary Lee DS
Kortney DD
1997 GMC Sierra
1997 Camplite Pop-Up w/slideout
Our PUX Gallery
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Wayne Dreier
Hilliard Ohio
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Joined: 01/09/2007
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Wildcat63 wrote:We just had the Comp and Collision added on our vehicle insurance policy.
As a blanket statement that may be correct. However, my auto insurer said they would not insure a travel trailer. Just to be cautious, I went with Progressive Direct and pretty much got all the bells and whistles. What I found when I asked for quotes is the higher the cost of the trailer, the higher the premium. Progressive was, by far, the lowest I found. YMMV.
Marilyn & Wayne
TV - Eeyore (2000 Dodge Caravan)
TT - Pooh (2007 Aliner Expedition)
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webiknight
Mesa, Arizona
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Joined: 04/14/2007
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Wayne Dreier wrote: I went with Progressive Direct and pretty much got all the bells and whistles. What I found when I asked for quotes is the higher the cost of the trailer, the higher the premium. Progressive was, by far, the lowest I found. YMMV.
I found the same thing.
2006 Starcraft 36RT
1999 Chevy 2500 Crew Cab 7.4L
2002 Yamaha Grizzly
2003 Yamaha Kodiak
2005 SunL 150
2008 Coolster 125cc
2008 Coolster 70cc
2005 SunL 90
Check out the pics
Check out the MODs
The Right to Bear Arms --- AFFIRMED 
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george08007
new jersey
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Joined: 09/21/2007
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I don't insure my p/u-only paid $ 900 for it, and is covered when towing under the auto ins policy, and is parked in driveway when home, so I just roll the dice
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