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 > Insurance on a 2021 Fifth Wheel

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rdmotex3

Texas

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Posted: 12/18/20 01:04pm Link  |  Quote  |  Print  |  Notify Moderator

All, just bought a new fifth wheel and I am curious to hear what insurance most carry. We have a note on the trailer and I obviously what replacement cost on the trailer. Any recommendations are welcome.

BurbMan

Noblesville, IN

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Posted: 12/18/20 01:25pm Link  |  Quote  |  Print  |  Notify Moderator

You can only get comprehensive with a rider for personal property in the trailer, like laptop, etc. Collision and liability are covered by the tow vehicle since the trailer can't be going down the road by itself.

When you say "what insurance" and you asking for coverage values, coverage types or company recommendations?


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Allworth

Orlando, FL

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Posted: 12/18/20 01:41pm Link  |  Quote  |  Print  |  Notify Moderator

The phone agents for Good Sam's RV Insurance (which is really General American) are very well versed in what coverages you need depending on what you have and how you use it.

They also have a feature that lets you put the trailer in "storage" for months when you are not on the road. Due to medical issues and then COVID, my fiver had been in storage for almost two years now at a significantly reduced cost.


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ford truck guy

Pennsylvania

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Posted: 12/18/20 04:02pm Link  |  Quote  |  Print  |  Notify Moderator

Take it from me.... IF POSSIBLE get full replacement coverage... You will never know when you need it... Ask me how I know !


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Lwiddis

Monterey, California

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Posted: 12/18/20 04:24pm Link  |  Quote  |  Print  |  Notify Moderator

Share your new purchase with your truck’s insurer. Their exposure has greatly increased.


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TXiceman

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Posted: 12/18/20 05:31pm Link  |  Quote  |  Print  |  Notify Moderator

No one can tell you which one is best for you. It depends on where you live, if you can bundle and even your credit report. Just get out and shop them all.

Ken


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bucky

Raleigh metro

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Posted: 12/19/20 03:24am Link  |  Quote  |  Print  |  Notify Moderator

Each state has their own insurance laws and rates. Make sure whoever you are talking to knows that you are in TX. If that's a faux address it can get tricky. Comp will probably be a different policy than your truck policy.


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thomas201

Eastern Panhandle WV

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Posted: 12/19/20 06:35pm Link  |  Quote  |  Print  |  Notify Moderator

Berkshire Hathaway owns both Forest River and Geico, so they understand RV's. Easy to work with. At my time and place they were also the cheapest. This might change the next time.

rdmotex3

Texas

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Posted: 12/19/20 07:22pm Link  |  Quote  |  Print  |  Notify Moderator

We spoke with USAA aka Progressive. Lots of options and I was curious what most folks are doing. Agreed on the comprehensive, in my opinion it’s a must. I’m just hoping to cash in on everyone’s wisdom!

Veebyes

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Posted: 12/20/20 08:41am Link  |  Quote  |  Print  |  Notify Moderator

Get replacement insurance. If this happens you will wish you had.

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