Fifth wheel ins? Liability?
I am confused about ins coverage. I used to have my vehicles all insured with Hartford (thru AARP) This included my new PU truck 2007 chev HHR and a 2000 Alpenlite 5th wheel. When I had bought the fif...
Forum Discussion
I posted earlier about the answers to some of my questions from our agent, she just called me back and said she needed to clarify more (Hartford AARP):
if the trailer is unhitched and someone falls and hurts themselves, it is our homeowners policy that covers the incident
if someone breaks into the trailer at the storage facility and steals our belongs that are stored in it, the auto policy covers up to its limit and then after that the home owners policy kicks in
My earlier post:
We have our vehicles and fifth wheel covered with Hartford AARP, also. Our home is also covered with them written, of course, on a separate policy. After reading this post, I sent my agent the scenarios listed above and included one about the loss of personal property in the RV due to theft. She just called me back and said the answer was easy; under all cases it is covered by the auto policy.
A few years ago when we wrote the policy, I was told our personal effects were covered under the home. I too am confused.
if the trailer is unhitched and someone falls and hurts themselves, it is our homeowners policy that covers the incident
if someone breaks into the trailer at the storage facility and steals our belongs that are stored in it, the auto policy covers up to its limit and then after that the home owners policy kicks in
My earlier post:
We have our vehicles and fifth wheel covered with Hartford AARP, also. Our home is also covered with them written, of course, on a separate policy. After reading this post, I sent my agent the scenarios listed above and included one about the loss of personal property in the RV due to theft. She just called me back and said the answer was easy; under all cases it is covered by the auto policy.
A few years ago when we wrote the policy, I was told our personal effects were covered under the home. I too am confused.
