ThreeDtx
Central Texas
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Joined: 09/26/2007
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We are getting the last min prep work done before buying a new TT.
The Jayco 29 FBS is the one DW an I have decided on and have some questions about insurance. Is there any thing different about insuring a TT that we should know? Any one company better than another? What about the deductable, what is the norm for this?
After reading this form for awhile, I've learned that alot of you guys are traveling information centers. Give me some input, PLEASE.
Thanks
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downtheroad
Puget Sound
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Joined: 02/18/2003
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Don,
Start with the company that you insure your vehicles with. Give them a call, tell them what you have going, and see what they can do for you. You may find that they will insure your trailer also and give you a multi-policy discount.
Enjoy your new adventure and many safe trips to you and your family.
GMC Duramax/Allison (LBZ)
Komfort 277TS Our Rig Pic
Reese Dual Cam HP
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md2lgyk
Harpers Ferry, WV
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Joined: 07/11/2007
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Our TT is insured by the same company that insures our house and vehicles. We have comprehensive and collision only. Deductible is $500 but that's up to you. You can't get liability insurance for a TT (at least not from State Farm) - it's included under the liability coverage of the tow vehicle.
I'd stay away from specialized RV insurance such as Good Sam. Yes, their 5-year full replacement cost coverage sounds good, but it's VERY expensive. They wanted almost $400 every six months. With State Farm I pay $200 a year.
"The great object is, that every man be armed. Everyone who is able may have a gun." - Patrick Henry
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downtheroad
Puget Sound
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Joined: 02/18/2003
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md2lgyk wrote:Our TT is insured by the same company that insures our house and vehicles. We have comprehensive and collision only. Deductible is $500 but that's up to you. You can't get liability insurance for a TT (at least not from State Farm) - it's included under the liability coverage of the tow vehicle.
I'd stay away from specialized RV insurance such as Good Sam. Yes, their 5-year full replacement cost coverage sounds good, but it's VERY expensive. They wanted almost $400 every six months. With State Farm I pay $200 a year.
Our experience exactly.
Did a lot of shopping and research before we came to this same decision.
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K&R
Oklahoma
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Joined: 04/19/2007
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I have State Farm on everything we own, EXCEPT our trailer.
They were way too high on it.We went with Foremost which come to find out is really just Farmers.Much cheaper and lots more coverage.
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md2lgyk
Harpers Ferry, WV
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K&R wrote:I have State Farm on everything we own, EXCEPT our trailer.
They were way too high on it.We went with Foremost which come to find out is really just Farmers.Much cheaper and lots more coverage.
Strange how insurance works. I have everything with State Farm except my motorcycle, and for the same reason.
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ThreeDtx
Central Texas
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I too have State Farm and have everything I own with them, but was just wondering what everyone else was doing. The price was in line with what you all had to say..............Thanks again
Don
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gcloss
Long Island
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Joined: 05/02/2007
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I have TT insurance through Camping World/GMAC. Living in the Northeast insurance is very high and I thought is was a good deal at the time.
The 6 month policy expires in November and I will be going to Progressive for less than half of what I'm currently paying.
2004 Dodge Dakota 4.7 Quad Cab 4x4
3.92 rear, factory tow package, B&M 70298 trans cooler
2007 Jayco 20BH
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jtwisconsin
Menomonie, WI
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Joined: 02/23/2006
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I also have everything with State Farm including the liability and comprehensive coverage for the golf cart. Just like with the others, we also pay around $200 a year for the trailer.
John, the lovely wife, plus the 3 kids.
2007 Jayco Jay Flight 31BHS - Parked at the Seasonal Site
Previous setups...
2002 Ford Explorer V6 pulling 2000 Trail-Lite Bantam B19
1997 Chevy Blazer pulling small Coleman popup
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TexasTreat
Austin, TX, USA
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Joined: 10/20/2003
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We've got comp/coll coverage on our TT with USAA- we are paying $160 a year for it.
Is it better to go find a policy that pays total replacement value or at least a policy that will take your purchase price and pay that to you if it's a total loss?
Our TT is over 5 years old this year so I see that Foremost will pay you what you paid for it towards a new TT. USAA only pays what it's worth.
Which is a better deal?? Ideas? Thanks
"Don't Take Life Seriously! It's Not Permanent!"
2002 Jayco Eagle 266 FBS "Our GO Toy!" Let's GO!
Austin, Texas
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