I have state farm also , when towing the 5er it's covered under the tv policy, when disconnected it has it's own policy , but since i bundle my house, 3 cars and my truck together i get a good discount. The policy on the 5er cost me $187 a year and that is full coverage, originally it came with a 3 year full replacement but now that the 5er is 6 yrs old it is prorated.
We have State Farm. Separate policy for the camper.
Hans, KØHB & Colleen, KØCKB Master Chief Radioman, US Navy -
Prairie Schooner 34FBR Platinum XL Camping Trailer
3500HD Silverado Big Dooley LTZ Go-power by Max & Allie
Our 5th wheel is covered by the tow vehicle policy when hooked up to the truck however when un hooked and setup I wanted to be covered incase of a storm or vandalism so I have it insured. It isn't much. For me it was $20.00 extra a month on my vehicle policy.
2012 Ford F-250 Lariat
4x2 6.2 liter Crew Cab
Keystone Copper Canyon 273FWRET
US Navy Retired
We had farm bureau fo 15 years and it was on the auto policy, we changed to progressive and it is a seperate policy with better coverage for less than 1/2 the cost.JMO wills250psd
I called GEICO when I bought the FW and they "added" it to my policy. I think the liability portion goes with the TV and the FW, contents, and road service goes with the comprehensive FW portion. However, your agent should know the requirements.
2002 Keystone Cougar 286, 8,400lbs loaded, pulled with a 2004 F150 Supercrew, 5.4, 3.73 gears. Retired and enjoying life
And, if I may add, consider checking next level of coverage cost. I initially started out with the usual $150k/$300k on my TV and 5'er, both which are separate policies. When I inquired about increasing limits to $250/500k, I was shocked when I learned my GMAC premium for my truck would GO DOWN (check for $33 refund is in mail today) and my Natl Interstate policy on the trailer only went up $14 per year. We use SD as our domicile and Jacque at Dougherty & Associates, Inc. Sioux Falls, SD, 605-361-6318.
You need fith wheel coverage for a financed 5er and for full replacement coverage. I changed from GEICO to Good Sam (GMAC) for my truck and mini-van and saved $300 per six months! The fiver was added to that policy for $220 for 6 months.
When it's attached to your TV,and only then, it is covered by the liability part of your TV policy, but no coverage beyond that. If you want anything beyond liability such as collision, comprehensive, etc, you must have a separate policy. If your trailer is financed, your lender will require a separate policy to cover any loss that effects their collateral!
MtnHam wrote: When it's attached to your TV,and only then, it is covered by the liability part of your TV policy, but no coverage beyond that. If you want anything beyond liability such as collision, comprehensive, etc, you must have a separate policy. If your trailer is financed, your lender will require a separate policy to cover any loss that effects their collateral!
Agreed on the points well mentioned above. Liability is thru the TV policy, Any physical damage, fire, theft, contents theft is thru a seperate policy and perty inexpensive at that. Maybe $200 annually with Nationiwide. I have multiple vehicles, homeowners and Umbrella etc.
Mike
2010 Cedar Creek 34SATS (The Beast) & 20k Curt Q20 roller slider hitch
2006 Ford F350 SRW,SC Powerstroke diesel Lariat 2003 Harley Heritage Softail (Hogzilla) and a wifey with tons of patience....
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