Have State Farm on house and 3 cars. Priced TT insurance with them, AARP Hartford, and GMAC with Good Sam. GMAC was by FAR the cheapest. Note State Farm was cheapest for home and cars, go figure.
2010 Ford Expedition TV
2010 Outback 230RS Toybox, 5390# UVW, 6800# Loaded Not yet camped in Hawaii, 2 Canada Provinces, & 2 Territories I can't be lost because I don't care where this lovely road is going
Our camper is insured by the same company as our autos, but as a separate vehicle. I expect your auto policy alone would cover any liability while towed, I would not expect it would cover repair/replacement costs... you can check on it.
Our camper sustained damages in 2011 while camping near Augusta, GA for spring break... we had two trees fall onto the camper. The unit was not in tow at the time and I would not expect it to have been covered without the separate policy... Here's a link to my post about our experience.
BTW... we're still using our camper and it's doing very well. We will be towing it to Pensacola, FL in 2 week and 3 days!
I've got my trailer insured thru the same co as the house/cars. It is it's own insured vehicle with it's own insurance card.
I have both liability and comp on it.
While the truck will cover liability while it is physically attached, if the trailer were to break free of the truck, it's on it's own at that point. Anything it hits is on you if it's not insured on it's own for liability.
I don't think it costs more then $200/year for full coverage..
*Anything I post is for entertainment purposes only and what usually works for me.. Your Mileage May Vary..
Car insurance companies will charge a lot to insure motorhomes. What you can do is look into AARP travel trailer insurance. Their rates are good, their service is reliable and it’s a win-win for you but the catch is that you have to be 50 or older to become an AARP member.
I have a TT and a fiver. Auto and homeowners is with Nationwide. I have collision and comprehensive on the trailers through them. They have always listed the fiver as a motorhome and I have tried to straighten that out and haven't been able to. Now that I have two on the policy, I notice the fiver is nearly double the cost of the TT, even though the TT is worth twice as much. I suspect it is the MH thing. When I get my bill in August, the underwriter has some explaining to do. I think they owe me rate differences going back 9 years.
I am with liberty mutual. We have full coverage with collision and comp on our trailer. It is on the same rider as our autos. But I seperated out our policy so that our tow vehicle and trailer are on thier own policy. I didn't have to but I did.
Our trailer insurace is 20 per month with 50 dollar deductable.
2012 Kodiak 300BHSL Ultimate with Fall Edition Package
2003 Ford Excursion V10