Insurance for Teardrop

[Alan_O]

Hello,

I have just finished my 5x10 and need insurance. If you would please share your suggestions regarding carriers and levels of coverage I will be grateful. My "friends" at State Farm will not cover a homemade trailer.

Thanks in advance!

 

[GTS225-TNT]

Hmmmm. I have State Farm too. I've been assured by them that the trailer is covered if the towing vehicle is covered.

Roger

 

[Alan_O]

Hmmmm. I have State Farm too. I've been assured by them that the trailer is covered if the towing vehicle is covered.

Roger

I will definitely ask that question. Thank you.

 

[DJ Davis]

I was told that whatever was CONNECTED to your vehicle at the time of an accident is covered by that vehicle's insurance (USAA).

 

[GTS225-TNT]

I was told that whatever was CONNECTED to your vehicle at the time of an accident is covered by that vehicle's insurance (USAA).

So....they're saying that if the trailer becomes disconnected while towing, it's no longer insured as of the moment of separation?
Interesting notion, that it's covered if it gets hit, but not if it becomes disconnected and hits something. Seems like we pay for liability coverage, but it gets denied because a coupler failed.

Just sayin'.....Roger

 

[DJ Davis]

My above reply is for USAA that doesn't have a policy for campers, to my knowledge/unless that's changed recently. Other companies that (supposedly) have RV policies handle the uncouplings, tree limbs falling while is parked at your house or at a campsite, etc.

 

[MarkDMiller]

So, I also am looking for insurance for my nearly completed build.
(give me 6 years, I'll get anything done. )
Trailers are covered when towed by an insured vehicle for liability. So far, I can't find anyone to insure it if it gets damaged. I assume if someone else damages it, their insurance, assuming they have it will cover it. But given the fact that my own insurance company won't insure it for damage, I'm guessing getting someone else's insurance to pay off might be difficult. My company kept calling it " homemade".
I say " custom made "

 

[gearsoup]

Why does "homemade" carry such a negative connotation when it comes to mechanical things, but a positive when it comes to food? I was just at the town office to inquire about registration, that seems to be a straightforward affair in Maine at least. I stress the term "hand made"

 

[GTS225-TNT]

Why does "homemade" carry such a negative connotation when it comes to mechanical things, but a positive when it comes to food?

Look at it from their perspective; Have you even seen something someone built, and thought to yourself that you'd be scared to use it in private, let alone out in public where someone else might get hurt or killed?

I have.......I go to car shows where the featured cars are old hot rods and customs. A few of what I've seen, I'd be worried about driving it down a back alley, let alone out in traffic, but yet the owner has a legitimate title and license plate.

So, my point is that we all build to our own standards, and some of "our" standards just aren't "engineered" very well. The insurance industry also has to look out for themselves (and their investors), because there's a LOT of us that don't care about that industry, being as they've slowly been denying the coverage that we've been paying for all along.

Yes, I too, have a certain animosity against the industry. It seems to me to be one of the biggest scams foisted on the public that one could imagine.

Roger

 

[Tony Latham]

From some random book about building teardrops:

I insure my teardrops with Hartford. The first time this happened, the online agent had to discuss it with her supervisor. I wasn’t optimistic about what her answer would be, but it went fine. My wife insured the teardrop we built for her son’s wedding gift through State Farm. This was done through a local agent, with the camper parked in front of his office for him to look at.

Some builders have had problems getting insurance. I suggest that before you make the call, think about how you will present this to them. Avoid something like, “I’ve got this home-made camper I built in my garage…” Try something such as, “I have a custom-made camper I need to insure.” That’ll get the ball rolling, and he or she will begin filling out the forms. When they ask who the manufacturer is, respond with something like, “I’m the primary manufacturer, but it was a collaborative effort over the last year in our facility.” Which, as you well know, is the truth.



Good luck,

Tony