Forum Discussion

love2rvcamp's avatar
love2rvcamp
Explorer
Dec 12, 2014

Different insurance question

Most questions on insurance are about which insurance is the best.

My question is little different. My brother is buying his first travel trailer. He was asking me about my insurance on my trailer. I have my truck insurance with State Farm but trailer insurance with Progressive.

His insurance is with State Farm also and he is planning on adding the trailer to this policy. He said that the trailer will be tied to his truck insurance.

He asked me why I had my insurance as a separate policy and didn't want to answer just because. I know with progressive we have full replacement value, covered contents etc.

What are the pros,and cons to adding it to your truck policy where the trailer insurance is for damage or stolen and the truck would cover all liability?
  • RoyB's avatar
    RoyB
    Explorer II
    I have both RV trailer and Truck covered with STATE FARM Insurance.. Everything we own is covered by State Farm... Since we pay things in two 50/50 payments seems like we are always having to pay State Farm just about every month of the year hehe...

    Who knows what you have until something happens and you end up on the short end of the stick...

    For me it is no big deal as I am only an occasional RV Traveler and more of a RV Camper. My daughter has State Farm as well and a big tree in her yard fell on her car parked in the driveway. It was covered by the State farm car insurance instead of the State Farm home owners insurance so who knows how things go...

    If I was a full time RV'er with no homestead it would be a different story I suspect...

    You hear alot of good things about Progressive Insurance for RV'ers but you may have to take the FLO lady along with you on a few of your trips... hehe..

    Roy Ken