Is you trailer covered

Here's where we keep the polls, and anyone can start a poll!

Is you trailer covered

Postby Ron Dickey » Sat Aug 23, 2008 9:22 pm

Mine at this time is not.
I have AAA Plus but not on my trailer.

I only have some on my trailer it I am attached to my car if I get hit. It might be considered as on my home insurance

What do you
Road side
accident
more
what do you have
or wish you had when....

Ron
121377.............134179.........134805
both side walls are up...cabinet needs stain.......ongoing 2.5 yr bld build as i find time..... Cross Bow in Build Journals....viewtopic.php?f=50&t=54108
User avatar
Ron Dickey
Silver Donating Member
 
Posts: 2930
Images: 701
Joined: Tue Apr 20, 2004 5:56 pm
Location: Central Coast, CA

Postby Gary and Cheri » Sat Aug 23, 2008 9:58 pm

Yes! Insurance is dirt cheap for the miles per year I put on it. If I was only using it for the occasional weekend I might reconsider.

Gary
" I started out with nothing and I have most of it left." Groucho Marx

Image

With each grey hair I'm another step closer to becoming a wizard!
User avatar
Gary and Cheri
500 Club
 
Posts: 790
Images: 13
Joined: Sun Feb 24, 2008 9:08 pm
Location: Wisconsin, Burlington

Postby doug hodder » Sat Aug 23, 2008 10:03 pm

Insurance? Yup....people need to remember that your normal auto insurance policy will only cover damage that YOU do with your trailer to someone elses property. In this situation you are on your own for any damages to your trailer. If you clip a tree and tear off a fender or back into something and trash the hatch...tough! If you want your trailer covered for damages, it will take a separate policy to cover the tear. I buy it...137$ for 12 mo. for 10K coverage, at least when mine are really new, after that I drop it if I'm not using it a lot. It just went up in the last year or so, rates depend on your location. Your best bet is to check with your insurance provider to see how you are covered. Not all providers may have the same coverage. Doug
doug hodder
*Snoop Dougie Doug
 
Posts: 12625
Images: 562
Joined: Tue Dec 14, 2004 11:20 pm
Top

Postby TPMcGinty » Sat Aug 23, 2008 11:02 pm

Yep. I think I pay $66 a year with $100 deducts.
Tim

Image
User avatar
TPMcGinty
Gold Donating Member
 
Posts: 1558
Images: 146
Joined: Sat Nov 10, 2007 7:16 pm
Location: Saint Michael, MN
Top

Postby 48Rob » Sun Aug 24, 2008 8:13 am

Yes.

It is fully covered by a separate policy.

As Doug stated, your car insurance ONLY covers the damage your trailer might do to someone elses property when connected to your car...


I've never had to file a claim, so I can't say how good it is, but I have an agreed value policy backed by a professional appraisal, with photos.
Didn't make sense to tell them I wanted insurance, and then let the insurance company decide how much it is worth AFTER it was destroyed... :thinking:

Rob
Waiting for "someday" will leave you on your deathbed wondering why you didn't just rearrange your priorities and enjoy the time you had, instead of waiting for a "better" time to come along...

Visit Rob's World Web Page!
User avatar
48Rob
Super Lifetime Member
 
Posts: 3862
Images: 4
Joined: Thu Nov 17, 2005 6:47 pm
Location: Central Illinois
Top

Postby Steve_Cox » Sun Aug 24, 2008 8:32 am

Might be nice to know which insurance companies will or won't cover domicile engineered travel trailers. I am one of the uninsured. How about some of you insured telling who your insurance is with.
Steve
User avatar
Steve_Cox
4000 Club
4000 Club
 
Posts: 4903
Images: 196
Joined: Sun Apr 03, 2005 8:46 am
Location: Albuquerque New Mexico
Top

Postby 48Rob » Sun Aug 24, 2008 8:44 am

Hi Steve,

Met. life and auto.

Rob
Waiting for "someday" will leave you on your deathbed wondering why you didn't just rearrange your priorities and enjoy the time you had, instead of waiting for a "better" time to come along...

Visit Rob's World Web Page!
User avatar
48Rob
Super Lifetime Member
 
Posts: 3862
Images: 4
Joined: Thu Nov 17, 2005 6:47 pm
Location: Central Illinois
Top

Postby doug hodder » Sun Aug 24, 2008 9:52 am

State Farm....Doug
doug hodder
*Snoop Dougie Doug
 
Posts: 12625
Images: 562
Joined: Tue Dec 14, 2004 11:20 pm
Top

Postby Creamcracker » Sun Aug 24, 2008 10:31 am

Steve_Cox wrote:Might be nice to know which insurance companies will or won't cover domicile engineered travel trailers. I am one of the uninsured. How about some of you insured telling who your insurance is with.


I was just going to ask that question since my cars are insured with ESURANCE and I don't believe they insure trailers.
Philip
Image Image
3rd Annual Out of Control Shop Winner :)
User avatar
Creamcracker
Teardrop Graduate
 
Posts: 1126
Images: 142
Joined: Fri Sep 22, 2006 7:38 am
Location: VA Culpeper
Top

Postby TheBizMan » Sun Aug 24, 2008 10:45 am

Mine is State Farm. $218 per year with a $100 deductible. Covers everything including seperate towing. They valued the TD at $13,000. I don't know where they came up with that figure.
Lee - TheBizMan sez
Teardrops make for happy camping
ImageImage
User avatar
TheBizMan
Gold Donating Member
 
Posts: 510
Images: 12
Joined: Mon May 26, 2008 8:24 pm
Location: Peoria, AZ
Top

Postby ssrjim » Sun Aug 24, 2008 12:40 pm

TheBizMan wrote:Mine is State Farm. $218 per year with a $100 deductible. Covers everything including seperate towing. They valued the TD at $13,000. I don't know where they came up with that figure.


Wow I pay under 100 and it is state farm as well. I think mine is valued at 8000.
93079
User avatar
ssrjim
1000 Club
1000 Club
 
Posts: 1151
Images: 12
Joined: Fri Feb 04, 2005 7:02 pm
Location: Glendale, az
Top

Postby Ron Dickey » Thu Nov 27, 2008 7:31 pm

My trailer has sat sense lopez lake wkend event and just before that the NM trip. Just giving it tender love and fixing up the inside more.

I am considering Good Sam VIP offering many aditional things
or with State Farm I could get a reduction because I use them on other things.

Do any of you know about Good Sam Club and VIP??

Ron D.
121377.............134179.........134805
both side walls are up...cabinet needs stain.......ongoing 2.5 yr bld build as i find time..... Cross Bow in Build Journals....viewtopic.php?f=50&t=54108
User avatar
Ron Dickey
Silver Donating Member
 
Posts: 2930
Images: 701
Joined: Tue Apr 20, 2004 5:56 pm
Location: Central Coast, CA
Top

Postby stbuch » Thu Nov 27, 2008 10:24 pm

:cry: I already pay $550 a month to State Farm $> for the cars, house, boat, life, etc. :cry: :cry: Since the actual value of our supplies is less than $1000 I don't know if I want to spend any more money on insurance! I'll have to think on that... :thinking:

Sherrie
Good grief, isn�t it the weekend yet?
Maybe if I sleep in the camper the week
will pass faster�
User avatar
stbuch
The 300 Club
 
Posts: 312
Images: 92
Joined: Sun Jun 25, 2006 6:13 am
Location: New Market, Alabama
Top

Postby Ron Dickey » Tue May 05, 2009 11:37 pm

I got insurance before the Shasta Dam Gathering

I use State farm for most of my stuff so I got it there.

20 bucks a year!!! should have done it soooooooner!

Ron
121377.............134179.........134805
both side walls are up...cabinet needs stain.......ongoing 2.5 yr bld build as i find time..... Cross Bow in Build Journals....viewtopic.php?f=50&t=54108
User avatar
Ron Dickey
Silver Donating Member
 
Posts: 2930
Images: 701
Joined: Tue Apr 20, 2004 5:56 pm
Location: Central Coast, CA
Top

Postby bobhenry » Wed May 06, 2009 7:46 am

Ron Dickey wrote:I got insurance before the Shasta Dam Gathering

I use State farm for most of my stuff so I got it there.

20 bucks a year!!! should have done it soooooooner!

Ron


Farmers Mutual ~~mine is pocket change also 37.00 a year. Built the trailer for just under $1,000.00. They covered it for $3,000 without batting an eye. After seeing the Yoder damage thread I am so glad I have it fully covered. Think of the time invested! Think of seeing the contents of your little tear strewn all over the interstate. That's a lot of peace of mind for less than we spend for a weekends camping. :thumbsup:
Growing older but not up !
User avatar
bobhenry
9000 Club
9000 Club
 
Posts: 9876
Images: 2273
Joined: Fri Feb 09, 2007 7:49 am
Location: INDIANA, LINDEN
Top

Next

Return to User Polls

Who is online

Users browsing this forum: No registered users and 1 guest