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COboondocker's avatar
COboondocker
Explorer
Mar 18, 2016

Insurance coverage

Since we got a new camper I called our insurance company (Liberty Mutual) to add the new camper to our auto policy. They said they can't insure it since they'll only insure up to $24,999. When I informed them that they had no problem insuring our old camper up to $37,500 they looked back at the policy and said it was only insured to $7,500. The call dropped right after that. I call back and speak to someone else who informs me my camper is only covered to $4,500. I asked where the discrepancies were coming in but they couldn't answer.

Anywho....long story short I'm looking for a new insurance company. Who do you guys use? Are you sure you're covered for what it's worth? Bonus points if anyone has had to file a claim on their camper and succeeded. Thanks

ETA: does anyone have their combo insured as an RV? We don't use the truck as a daily driver and rarely even take the camper off. I'm checking with Liberty to see if this is an option.
Truck Campers

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  • Bionic_Man's avatar
    Bionic_Man
    Explorer
    Jun 20, 2016
    adambeck7 wrote:
    thedavidzoo wrote:
    Agent said she has added the TC specifically to both policies. I will confirm for sure though!


    Same with my agent. Took year, make, model, dollar amount, everything. Said I was good to go. A year later when I called they said it wasn't covered under homeowners at all and covered to $7500 on the auto policy. Initial two reps said it was covered under homeowners off the truck and insured to $37,500 on the truck. Needless to say, we switched. I've been very happy with progressive.


    Should always read the policy language regarding stuff like this.

    Insurance premiums are based upon many variables, but a major one is what it is going to cost to replace the covered item in a total loss. Years ago when I was in the auto insurance business, many auto policies had "additional items" coverage to a max of $5000. Add a zero for the cost of many of the new campers. Would hate to need to replace the camper only to learn you don't have coverage.
  • COboondocker's avatar
    COboondocker
    Explorer
    Jun 20, 2016
    thedavidzoo wrote:
    Agent said she has added the TC specifically to both policies. I will confirm for sure though!


    Same with my agent. Took year, make, model, dollar amount, everything. Said I was good to go. A year later when I called they said it wasn't covered under homeowners at all and covered to $7500 on the auto policy. Initial two reps said it was covered under homeowners off the truck and insured to $37,500 on the truck. Needless to say, we switched. I've been very happy with progressive.
  • thedavidzoo's avatar
    thedavidzoo
    Explorer II
    Jun 20, 2016
    Agent said she has added the TC specifically to both policies. I will confirm for sure though!
  • COboondocker's avatar
    COboondocker
    Explorer
    Jun 20, 2016
    thedavidzoo wrote:
    Digging up the past here a bit, but just got off the phone with USAA.

    TC is covered under my auto policy while on the truck, same terms as truck, no additional cost.

    Covered under my homeowner's insurance while off the truck, in my driveway or in a campground worldwide. Subject to terms of my HO policy (deductible, limits, etc.), no additional cost.


    Get it in writing. Dollar amounts and the specific camper you have. Liberty mutual rep said I was covered just like you. I spoke with a different rep who confirmed then a manager had a different opinion. It wasn't covered under either despite what I was told by two different employees.
  • thedavidzoo's avatar
    thedavidzoo
    Explorer II
    Jun 20, 2016
    Forgot to add this above: this is for VA, so no titling or registration.
  • thedavidzoo's avatar
    thedavidzoo
    Explorer II
    Jun 20, 2016
    Digging up the past here a bit, but just got off the phone with USAA.

    TC is covered under my auto policy while on the truck, same terms as truck, no additional cost.

    Covered under my homeowner's insurance while off the truck, in my driveway or in a campground worldwide. Subject to terms of my HO policy (deductible, limits, etc.), no additional cost.
  • Geewizard's avatar
    Geewizard
    Explorer
    May 02, 2016
    TCINTN wrote:
    State Farm

    Camper on truck it is on truck policy
    Camper off truck,on home policy
    Written confirmation in my file and at dealer.
    No extra cost on either home or truck.


    x2
  • HadEnough's avatar
    HadEnough
    Explorer
    May 01, 2016
    Probably credit issues stemming from divorce. Notice I am a cash buyer for the tc who saved up. Credit is lousy.

    Well, screw em.

    No insurance, then. (Isn't required in my state unless you've been in accidents)

    No claims, no accidents in my life. A couple tickets 25 years ago.

    I'll take my chances.
  • Grit_dog's avatar
    Grit_dog
    Navigator
    May 01, 2016
    HadEnough wrote:
    Ridiculous insurance prices...

    What are some of you currently paying?

    I just got a quote from Progressive.

    2009 arctic fox, 2002 dodge ram diesel. $367 a year for TC....

    $1500+ for truck!

    Insured both, got collision/comprehensive on truck. No accidents in my lifetime. None.

    Paying close to $2000/yr seems insane to me.


    You got something on your record.
    07 Ram Mega, full coverage, decent liability limits, $1k deductible on all. Truck is more like $6-700 per year. 03AF is $250? I think. You realize accidents, tickets, credit score, claims on other policies all affect your rate? I.e. If you have bad credit you'll pay like you have speeding tickets! It s ucks but with the immediate availability of your entire life history, insurance companies have added many more qualifiers to their rate matricies.

    As several people have said it serves everyone well to fully understand your policies and shop them once in a while. Insurance companies can and are just as crooked as used car dealers. They don't gaf about you and your camper. They care about $ only.
  • COboondocker's avatar
    COboondocker
    Explorer
    May 01, 2016
    HadEnough wrote:
    Ridiculous insurance prices...

    What are some of you currently paying?

    I just got a quote from Progressive.

    2009 arctic fox, 2002 dodge ram diesel. $367 a year for TC....

    $1500+ for truck!

    Insured both, got collision/comprehensive on truck. No accidents in my lifetime. None.

    Paying close to $2000/yr seems insane to me.


    whoa. we're paying 1200/year for 3 (close to new) vehicles and $180/year for the camper through progressive. state farm wanted $800/year more. liberty mutual who we had prior was 1480 for just vehicles and they won't insure a camper to over 24,999.

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coverage","id":"message:2165656","revisionNum":1,"repliesCount":44,"author":{"__ref":"User:user:369903"},"depth":0,"hasGivenKudo":false,"board":{"__ref":"Forum:board:TravelTrailerforum-board"},"conversation":{"__ref":"Conversation:conversation:2165656"},"readOnly":false,"editFrozen":false,"moderationData":{"__ref":"ModerationData:moderation_data:2165656"},"body":"Since we got a new camper I called our insurance company (Liberty Mutual) to add the new camper to our auto policy. They said they can't insure it since they'll only insure up to $24,999. When I informed them that they had no problem insuring our old camper up to $37,500 they looked back at the policy and said it was only insured to $7,500. The call dropped right after that. I call back and speak to someone else who informs me my camper is only covered to $4,500. I asked where the discrepancies were coming in but they couldn't answer.

Anywho....long story short I'm looking for a new insurance company. Who do you guys use? Are you sure you're covered for what it's worth? Bonus points if anyone has had to file a claim on their camper and succeeded. Thanks

ETA: does anyone have their combo insured as an RV? We don't use the truck as a daily driver and rarely even take the camper off. I'm checking with Liberty to see if this is an option.","body@stringLength":"971","rawBody":"Since we got a new camper I called our insurance company (Liberty Mutual) to add the new camper to our auto policy. They said they can't insure it since they'll only insure up to $24,999. When I informed them that they had no problem insuring our old camper up to $37,500 they looked back at the policy and said it was only insured to $7,500. The call dropped right after that. I call back and speak to someone else who informs me my camper is only covered to $4,500. I asked where the discrepancies were coming in but they couldn't answer.

Anywho....long story short I'm looking for a new insurance company. Who do you guys use? Are you sure you're covered for what it's worth? Bonus points if anyone has had to file a claim on their camper and succeeded. Thanks

ETA: does anyone have their combo insured as an RV? We don't use the truck as a daily driver and rarely even take the camper off. I'm checking with Liberty to see if this is an option.","kudosSumWeight":0,"postTime":"2016-03-18T15:54:12.000-07:00","images":{"__typename":"AssociatedImageConnection","edges":[],"totalCount":0,"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}},"attachments":{"__typename":"AttachmentConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"tags":{"__typename":"TagConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[{"__typename":"TagEdge","cursor":"MjUuM3wyLjF8b3wxMHxfTlZffDE","node":{"__typename":"Tag","id":"tag:Truck Campers","text":"Truck Campers","time":"2004-07-23T08:16:35.000-07:00","lastActivityTime":null,"messagesCount":null,"followersCount":null}}]},"timeToRead":1,"currentRevision":{"__ref":"Revision:revision:2165656_1"},"latestVersion":null,"metrics":{"__typename":"MessageMetrics","views":7370},"visibilityScope":"PUBLIC","canonicalUrl":null,"seoTitle":null,"seoDescription":null,"isEscalated":null,"placeholder":false,"originalMessageForPlaceholder":null,"messagePolicies":{"__typename":"MessagePolicies","canModerateSpamMessage":{"__typename":"PolicyResult","failureReason":{"__typename":"FailureReason","message":"error.lithium.policies.feature.moderation_spam.action.moderate_entity.allowed.accessDenied","key":"error.lithium.policies.feature.moderation_spam.action.moderate_entity.allowed.accessDenied","args":[]}}},"archivalData":null,"searchSnippet":"Since we got a new camper I called our insurance company (Liberty Mutual) to add the new camper to our auto policy. 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{\n /* faking it; should be 33.33333333% */\n width: 25%;\n }\n\n .col-lg-8 {\n /* faking it; should be 66.66666667% */\n width: 75%;\n }\n\n .col-lg-10 {\n width: 83.33333333%;\n }\n\n .col-lg-12 {\n width: 100%;\n }\n}\n\n.pull-left {\n float: left;\n width: 100%;\n\n @media screen and (min-width: 767px) {\n float: none;\n width: auto;\n }\n\n @media screen and (min-width: 992px) {\n float: left;\n }\n}\n\n.pad-bottom-20 {\n padding-bottom: $theme-space-base;\n}\n\n.pad-top-20 {\n padding-top: $theme-space-base;\n}\n\n.pad-top-30 {\n padding-top: calc($bootstrap-padding * 2);\n}\n\n.pad-top-40 {\n @media screen and (min-width: 992px) {\n padding-top: $theme-space-large;\n }\n}\n\n.margin-left-20 {\n @media screen and (min-width: 992px) {\n margin-left: $theme-space-base;\n }\n}\n\n.margin-top-20 {\n @media screen and (min-width: 992px) {\n margin-top: $theme-space-base;\n }\n}\n\n.text-center {\n text-align: center;\n}\n\n.text-right {\n text-align: right;\n}\n\n.text-smaller,\n.text-small {\n font-size: $theme-type-size-xsmall;\n}\n\n.text-large {\n font-size: $theme-type-size-xlarge;\n}\n\n.footer-contact {\n p {\n display: flex;\n flex-direction: row;\n justify-content: center;\n align-items: center;\n\n @media screen and (min-width: 992px) {\n display: block;\n }\n\n .text-small {\n @media screen and (max-width: 991px) {\n font-size: $theme-type-size-base;\n }\n }\n }\n\n .icon-gs-app {\n margin-right: $theme-space-base;\n max-width: 38px;\n padding-right: 2px;\n padding-top: 2px;\n\n @media screen and (min-width: 992px) {\n margin-left: 140px;\n margin-right: 0;\n }\n }\n\n .gsi-icon-phone {\n margin-bottom: -2px;\n margin-right: $theme-space-small;\n max-height: 20px;\n width: 20px;\n\n @media screen and (min-width: 992px) {\n margin-right: 0;\n }\n }\n}\n\n.footer-link {\n a,\n button {\n color: $goodsam-gray-footer;\n padding: 0 12px 0 $theme-space-small;\n }\n\n li:last-child a {\n padding-right: 0;\n }\n}\n\n.footer-top-links {\n padding-left: 0;\n list-style: none;\n display: flex;\n flex-direction: row;\n justify-content: center;\n align-items: center;\n flex-wrap: wrap;\n margin-bottom: $theme-space-small;\n font-size: 16px;\n\n @media screen and (max-width: 480px) {\n flex-direction: column;\n }\n\n @media screen and (min-width: 992px) {\n display: block;\n }\n\n li {\n margin-bottom: $theme-space-base;\n padding: 0 $theme-space-base;\n\n @media screen and (min-width: 992px) {\n padding: 0;\n }\n }\n}\n\n.footer-top {\n border-bottom: 2px solid $goodsam-gray-400;\n display: block;\n margin: auto;\n padding-top: $theme-space-small;\n text-align: center;\n\n @media screen and (min-width: 992px) {\n text-align: left;\n }\n\n .footer-logo {\n max-height: 60px;\n max-width: 140px;\n padding: $theme-space-small;\n padding-left: 0;\n padding-top: 0;\n }\n\n .footer-list {\n display: flex;\n justify-content: center;\n align-items: center;\n list-style: none;\n margin-bottom: 0;\n\n @media screen and (min-width: 992px) {\n display: block;\n float: right;\n }\n\n li {\n display: inline-block;\n padding: $theme-space-small $theme-space-xsmall;\n\n @media screen and (min-width: 992px) {\n border-right: 1px solid $goodsam-gray-700;\n float: left;\n padding: 0;\n\n &:last-child {\n border-right: 0;\n }\n }\n\n a,\n button {\n font-size: $theme-type-size-xsmall;\n text-transform: uppercase;\n\n @media screen and (max-width: 768px) {\n display: block;\n padding: $theme-space-small;\n }\n\n @media screen and (min-width: 992px) {\n font-size: $theme-type-size-small;\n }\n }\n\n .dropup {\n background-clip: padding-box;\n border: none;\n font-size: $theme-type-size-small;\n list-style: none;\n padding-left: 5px;\n position: relative;\n\n @media screen and (min-width: 992px) {\n float: left;\n }\n\n &:hover {\n .dropdown-menu {\n display: block;\n }\n }\n }\n\n .footer-dropup-toggle {\n background: none;\n border: 0;\n padding: 0;\n\n .fa-angle-up {\n /* @include li-icon ($fa-var-angle-up, $pseudo: before, $size: $theme-type-size-base, $color: $goodsam-gray-footer);\n padding-left: $theme-space-xsmall;\n padding-right: $theme-space-xsmall; */\n }\n }\n\n .dropdown-menu {\n background-color: #fff;\n border-radius: 4px;\n bottom: 100%;\n margin: 2px 0 0;\n min-width: 160px;\n padding: $theme-space-xsmall 0;\n position: absolute;\n right: 0;\n\n li {\n border-right: 0;\n float: none;\n text-align: left;\n\n @media screen and (max-width: 768px) {\n display: block;\n }\n\n a {\n color: $goodsam-gray;\n display: block;\n text-transform: none;\n\n &:hover {\n outline: 5px auto -webkit-focus-ring-color;\n outline-offset: -2px;\n }\n }\n }\n }\n }\n }\n}\n\n.footer-terms {\n display: flex;\n flex-direction: column;\n justify-content: center;\n align-items: center;\n padding: $theme-space-small 0;\n\n @media screen and (min-width: 992px) {\n display: block;\n padding: 0;\n }\n\n > .row {\n padding-bottom: $theme-space-small;\n\n @media screen and (min-width: 992px) {\n padding-bottom: $theme-space-base;\n }\n\n &.footer-terms-order-1 {\n order: 1;\n }\n\n &.footer-terms-order-2 {\n order: 2;\n }\n }\n}\n\n.footer-bottom {\n @media screen and (min-width: 992px) {\n padding-top: $theme-space-small;\n }\n\n .footer-bottom-list-center {\n display: flex;\n flex-direction: row;\n justify-content: center;\n align-items: center;\n flex-wrap: wrap;\n float: none;\n margin: 0 auto;\n\n @media screen and (min-width: 992px) {\n display: block;\n }\n\n li {\n display: inline;\n padding: 0 $theme-space-base;\n\n @media screen and (min-width: 992px) {\n border-right: 1px solid $goodsam-gray-700;\n padding: 0;\n\n &:first-child a {\n padding-left: 0;\n }\n\n &:last-child {\n border-right: 0;\n\n a {\n padding-right: 0;\n }\n }\n }\n\n a {\n display: inline-block;\n font-size: $theme-type-size-small;\n padding: $theme-space-small;\n\n @media screen and (min-width: 992px) {\n display: inline;\n font-size: $theme-type-size-xsmall;\n padding: 0 12px 0 $theme-space-small;\n }\n }\n }\n }\n}\n\n.copyright {\n color: $goodsam-gray-footer;\n font-size: $theme-type-size-base;\n margin-bottom: 0;\n\n @media screen and (min-width: 992px) {\n margin-bottom: $theme-space-small;\n }\n}\n\n#gsFooterSocial,\n.gsFooterSocial {\n background: $goodsam-gray-200;\n padding: 0 calc($theme-space-small + $theme-space-xsmall);\n .footerSocialItems,\n #footerSocialItems {\n text-align: center;\n\n @media screen and (min-width: 767px) {\n text-align: left;\n }\n }\n\n .footerSocialItems ul,\n #footerSocialItems ul {\n list-style-type: none;\n margin: auto;\n padding-left: 0;\n\n li {\n display: inline;\n margin: 0 $theme-space-small;\n }\n }\n}\n","texts":{"custom.footer.col01.text.01":"Home","custom.footer.col01.url.01":"https://www.goodsam.com/","custom.footer.col01.text.02":"About Us","custom.footer.col01.url.02":"https://www.goodsam.com/about/","custom.footer.col01.text.03":"Contact Us","custom.footer.col01.url.03":"https://www.goodsam.com/contact","custom.footer.col01.text.04":"FAQ","custom.footer.col01.url.04":"https://www.goodsam.com/faq/","custom.footer.col01.text.05":"Site Map","custom.footer.col01.url.05":"https://www.goodsam.com/site-map.aspx","custom.footer.col02.text.01":"Code of Conduct","custom.footer.col02.url.01":"https://www.goodsam.com/code-of-conduct.aspx","custom.footer.col02.text.02":"Affiliate Program","custom.footer.col02.url.02":"https://www.goodsam.com/affiliate/","custom.footer.col02.text.03":"Become a Good Sam Campground","custom.footer.col02.url.03":"https://www.goodsamnetwork.com/","custom.footer.col02.text.04":"Good Sam Rewards Visa","custom.footer.col02.url.04":"https://www.goodsam.com/creditcard/","custom.footer.col02.text.05":"About Marcus Lemonis","custom.footer.col02.url.05":"https://www.goodsam.com/about-marcus-lemonis/","custom.footer.col03.text.01":"RV Sales","custom.footer.col03.url.01":"https://rv.campingworld.com/","custom.footer.col03.text.02":"RV Gear","custom.footer.col03.url.02":"https://www.campingworld.com/shop/","custom.footer.col03.text.03":"RV Maintenance & Repair","custom.footer.col03.url.03":"https://rv.campingworld.com/service/","custom.footer.col03.text.04":"Good Sam Membership & Services","custom.footer.col03.url.04":"https://www.goodsam.com/","custom.footer.col03.text.05":"Campground Solutions","custom.footer.col03.url.05":"https://campgroundsolutions.goodsam.com/","custom.footer.col04.text.01":"Helpful Articles and Tips","custom.footer.col04.url.01":"https://www.goodsam.com/article","custom.footer.col05.text.01":"Good Sam Apps","custom.footer.col05.url.01":"https://www.goodsam.com/rv-camping-apps/","custom.footer.col05.text.02":"Take Good Sam apps on your next RV Trip!","custom.footer.col05.url.02":"https://www.goodsam.com/rv-camping-apps/","custom.footer.col06.text.01":"Customer Service Phone Number:","custom.footer.col06.phone.number":"866-205-7451","custom.footer.col06.text.02":"Club contact number 866-205-7451","custom.footer.col06.url.02":"tel:866-205-7451","custom.footer.row01.logo.text":"Good Sam Home","custom.footer.row01.text.01":"Blog","custom.footer.row01.url.01":"http://blog.goodsam.com/","custom.footer.row01.text.02":"Careers","custom.footer.row01.url.02":"https://www.campingworldcareers.com/","custom.footer.row01.text.03":"Contact Us","custom.footer.row01.text.toggle":"Click to expand","custom.footer.row01.text.04":"Good Sam","custom.footer.row01.url.04":"https://www.goodsam.com/contact/","custom.footer.row01.text.05":"Camping World","custom.footer.row01.url.05":"https://www.campingworld.com/contact/","custom.footer.row01.text.06":"RV Sales","custom.footer.row01.url.06":"https://rv.campingworld.com/contact","custom.footer.row02.text.01":"Privacy Policy","custom.footer.row02.url.01":"https://www.goodsam.com/privacy-policy.aspx","custom.footer.row02.text.02":"California Privacy Rights","custom.footer.row02.url.02":"https://www.goodsam.com/privacy-policy.aspx#calinevada","custom.footer.row02.text.03":"Investor Relations","custom.footer.row02.url.03":"http://investor.campingworld.com","custom.footer.row02.text.04":"Terms of Use","custom.footer.row02.url.04":"https://www.goodsam.com/terms.aspx","custom.footer.row02.text.05":"Accessibility Commitment","custom.footer.row02.url.05":"https://www.goodsam.com/accessibility-commitment.aspx","custom.footer.row02.text.06":"Team Member Assistance","custom.footer.row02.url.06":"https://www.goodsam.com/helping-hand","custom.footer.social.facebook.text":"Facebook","custom.footer.social.facebook.url":"https://www.facebook.com/GoodSam","custom.footer.social.twitter.text":"Twitter","custom.footer.social.twitter.url":"https://twitter.com/GoodSam","custom.footer.social.youtube.text":"YouTube","custom.footer.social.youtube.url":"https://www.youtube.com/user/goodsamrvers","custom.footer.social.instagram.text":"Instagram","custom.footer.social.instagram.url":"https://www.instagram.com/goodsam/?hl=en","custom.footer.social.pinterest.text":"Pinterest","custom.footer.social.pinterest.url":"https://www.pinterest.com/goodsam/","custom-community-footer-copyright.text":"© {0} Good Sam Enterprises, LLC. All rights reserved."},"defaults":{"config":{"applicablePages":[],"description":"","fetchedContent":null,"__typename":"ComponentConfiguration"},"props":[],"__typename":"ComponentProperties"},"components":[{"id":"custom.widget.CustomFooter","form":null,"config":null,"props":[],"__typename":"Component"}],"grouping":"CUSTOM","__typename":"ComponentTemplate"},"properties":{"config":{"applicablePages":[],"description":"","fetchedContent":null,"__typename":"ComponentConfiguration"},"props":[],"__typename":"ComponentProperties"},"form":null,"__typename":"Component","localOverride":false},"globalCss":{"css":".custom_widget_CustomFooter_footer-wrapper_hp49n_21 {\n background: #474442;\n\n a {\n color: #dfdfdf;\n font-weight: 100;\n\n &:focus,\n &:hover {\n color: #dfdfdf;\n }\n }\n}\n.custom_widget_CustomFooter_sr-only_hp49n_34 {\n position: absolute;\n width: 0.0625rem;\n height: 0.0625rem;\n margin: -0.0625rem;\n padding: 0;\n overflow: hidden;\n clip: rect(0, 0, 0, 0);\n border: 0;\n}\n.custom_widget_CustomFooter_footer_hp49n_21 {\n line-height: 1.25rem;\n /* margin-left: auto;\n\tmargin-right: auto;\n\tpadding-left: $bootstrap-padding;\n\tpadding-right: $bootstrap-padding; */\n}\n.custom_widget_CustomFooter_container_hp49n_52 {\n margin-left: auto;\n margin-right: auto;\n max-width: 73.125rem;\n padding-left: 0.9375rem;\n padding-right: 0.9375rem;\n}\n.custom_widget_CustomFooter_row_hp49n_60 {\n /* HOTFIX - PSDS-32115 - Remove negative margins to fix mobile display */\n\n &::after {\n clear: both;\n }\n\n &::after,\n &::before {\n content: ' ';\n display: table;\n }\n}\n.custom_widget_CustomFooter_col_hp49n_74 {\n float: left;\n min-height: 0.0625rem;\n padding-left: 0.9375rem;\n padding-right: 0.9375rem;\n position: relative;\n}\n.custom_widget_CustomFooter_col-xs-10_hp49n_82,\n.custom_widget_CustomFooter_col-sm-10_hp49n_83 {\n width: 83.33333333%;\n}\n.custom_widget_CustomFooter_col-xs-12_hp49n_87,\n.custom_widget_CustomFooter_col-sm-4_hp49n_88,\n.custom_widget_CustomFooter_col-sm-12_hp49n_89,\n.custom_widget_CustomFooter_col-md-2_hp49n_90,\n.custom_widget_CustomFooter_col-md-8_hp49n_91,\n.custom_widget_CustomFooter_col-md-10_hp49n_92,\n.custom_widget_CustomFooter_col-md-12_hp49n_93,\n.custom_widget_CustomFooter_col-lg-2_hp49n_94,\n.custom_widget_CustomFooter_col-lg-8_hp49n_95,\n.custom_widget_CustomFooter_col-lg-12_hp49n_96 {\n width: 100%;\n}\n@media screen and (min-width: 767px) {\n .custom_widget_CustomFooter_col-md-2_hp49n_90 {\n width: 16.66666667%;\n }\n\n .custom_widget_CustomFooter_col-md-8_hp49n_91 {\n width: 66.66666667%;\n }\n\n .custom_widget_CustomFooter_col-md-10_hp49n_92 {\n width: 83.33333333%;\n }\n\n .custom_widget_CustomFooter_col-md-12_hp49n_93 {\n width: 100%;\n }\n}\n@media screen and (min-width: 992px) {\n .custom_widget_CustomFooter_col-lg-2_hp49n_94 {\n width: 16.66666667%;\n }\n\n .custom_widget_CustomFooter_col-lg-4_hp49n_123 {\n /* faking it; should be 33.33333333% */\n width: 25%;\n }\n\n .custom_widget_CustomFooter_col-lg-8_hp49n_95 {\n /* faking it; should be 66.66666667% */\n width: 75%;\n }\n\n .custom_widget_CustomFooter_col-lg-10_hp49n_133 {\n width: 83.33333333%;\n }\n\n .custom_widget_CustomFooter_col-lg-12_hp49n_96 {\n width: 100%;\n }\n}\n.custom_widget_CustomFooter_pull-left_hp49n_142 {\n float: left;\n width: 100%;\n\n @media screen and (min-width: 767px) {\n float: none;\n width: auto;\n }\n\n @media screen and (min-width: 992px) {\n float: left;\n }\n}\n.custom_widget_CustomFooter_pad-bottom-20_hp49n_156 {\n padding-bottom: 1.25rem;\n}\n.custom_widget_CustomFooter_pad-top-20_hp49n_160 {\n padding-top: 1.25rem;\n}\n.custom_widget_CustomFooter_pad-top-30_hp49n_164 {\n padding-top: calc(0.9375rem * 2);\n}\n.custom_widget_CustomFooter_pad-top-40_hp49n_168 {\n @media screen and (min-width: 992px) {\n padding-top: 2.5rem;\n }\n}\n.custom_widget_CustomFooter_margin-left-20_hp49n_174 {\n @media screen and (min-width: 992px) {\n margin-left: 1.25rem;\n }\n}\n.custom_widget_CustomFooter_margin-top-20_hp49n_180 {\n @media screen and (min-width: 992px) {\n margin-top: 1.25rem;\n }\n}\n.custom_widget_CustomFooter_text-center_hp49n_186 {\n text-align: center;\n}\n.custom_widget_CustomFooter_text-right_hp49n_190 {\n text-align: right;\n}\n.custom_widget_CustomFooter_text-smaller_hp49n_194,\n.custom_widget_CustomFooter_text-small_hp49n_194 {\n font-size: 0.75rem;\n}\n.custom_widget_CustomFooter_text-large_hp49n_199 {\n font-size: 1.25rem;\n}\n.custom_widget_CustomFooter_footer-contact_hp49n_203 {\n p {\n display: flex;\n flex-direction: row;\n justify-content: center;\n align-items: center;\n\n @media screen and (min-width: 992px) {\n display: block;\n }\n\n .custom_widget_CustomFooter_text-small_hp49n_194 {\n @media screen and (max-width: 991px) {\n font-size: 1rem;\n }\n }\n }\n\n 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adambeck7 wrote:
thedavidzoo wrote:
Agent said she has added the TC specifically to both policies. I will confirm for sure though!


Same with my agent. Took year, make, model, dollar amount, everything. Said I was good to go. A year later when I called they said it wasn't covered under homeowners at all and covered to $7500 on the auto policy. Initial two reps said it was covered under homeowners off the truck and insured to $37,500 on the truck. Needless to say, we switched. I've been very happy with progressive.


Should always read the policy language regarding stuff like this.

Insurance premiums are based upon many variables, but a major one is what it is going to cost to replace the covered item in a total loss. Years ago when I was in the auto insurance business, many auto policies had \"additional items\" coverage to a max of $5000. Add a zero for the cost of many of the new campers. Would hate to need to replace the camper only to learn you don't have coverage.","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"203","kudosSumWeight":0,"repliesCount":0,"postTime":"2016-06-20T10:02:43.000-07:00","lastPublishTime":"2016-06-20T10:02:43.000-07:00","metrics":{"__typename":"MessageMetrics","views":480},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:TravelTrailer/category:TRAVELCENTER/community:feyqc97479board:TravelTrailerforum-board/message:2165656/message:2165700","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"attachments":{"__typename":"AttachmentConnection","edges":[],"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}}},"ModerationData:moderation_data:2165699":{"__typename":"ModerationData","id":"moderation_data:2165699","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:2165699":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:369903"},"id":"message:2165699","revisionNum":1,"uid":2165699,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:TravelTrailerforum-board"},"parent":{"__ref":"ForumTopicMessage:message:2165656"},"conversation":{"__ref":"Conversation:conversation:2165656"},"subject":"Re: Insurance coverage","moderationData":{"__ref":"ModerationData:moderation_data:2165699"},"body":"
thedavidzoo wrote:
Agent said she has added the TC specifically to both policies. I will confirm for sure though!


Same with my agent. Took year, make, model, dollar amount, everything. Said I was good to go. A year later when I called they said it wasn't covered under homeowners at all and covered to $7500 on the auto policy. Initial two reps said it was covered under homeowners off the truck and insured to $37,500 on the truck. Needless to say, we switched. I've been very happy with progressive.","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"203","kudosSumWeight":0,"repliesCount":0,"postTime":"2016-06-20T08:07:23.000-07:00","lastPublishTime":"2016-06-20T08:07:23.000-07:00","metrics":{"__typename":"MessageMetrics","views":480},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:TravelTrailer/category:TRAVELCENTER/community:feyqc97479board:TravelTrailerforum-board/message:2165656/message:2165699","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"attachments":{"__typename":"AttachmentConnection","edges":[],"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}}},"User:user:161631":{"__typename":"User","id":"user:161631","uid":161631,"login":"thedavidzoo","biography":null,"registrationData":{"__typename":"RegistrationData","status":null,"registrationTime":"2016-03-31T12:37:27.000-07:00"},"deleted":false,"email":"","avatar":{"__typename":"UserAvatar","url":"https://community.goodsam.com/t5/s/feyqc97479/m_assets/avatars/default/avatar-6.svg?time=1737155183000"},"rank":{"__ref":"Rank:rank:41"},"entityType":"USER","eventPath":"community:feyqc97479/user:161631"},"ModerationData:moderation_data:2165698":{"__typename":"ModerationData","id":"moderation_data:2165698","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:2165698":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:161631"},"id":"message:2165698","revisionNum":1,"uid":2165698,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:TravelTrailerforum-board"},"parent":{"__ref":"ForumTopicMessage:message:2165656"},"conversation":{"__ref":"Conversation:conversation:2165656"},"subject":"Re: Insurance coverage","moderationData":{"__ref":"ModerationData:moderation_data:2165698"},"body":"Agent said she has added the TC specifically to both policies. I will confirm for sure though!","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"94","kudosSumWeight":0,"repliesCount":0,"postTime":"2016-06-20T08:01:30.000-07:00","lastPublishTime":"2016-06-20T08:01:30.000-07:00","metrics":{"__typename":"MessageMetrics","views":481},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:TravelTrailer/category:TRAVELCENTER/community:feyqc97479board:TravelTrailerforum-board/message:2165656/message:2165698","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"attachments":{"__typename":"AttachmentConnection","edges":[],"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}}},"ModerationData:moderation_data:2165697":{"__typename":"ModerationData","id":"moderation_data:2165697","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:2165697":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:369903"},"id":"message:2165697","revisionNum":1,"uid":2165697,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:TravelTrailerforum-board"},"parent":{"__ref":"ForumTopicMessage:message:2165656"},"conversation":{"__ref":"Conversation:conversation:2165656"},"subject":"Re: Insurance coverage","moderationData":{"__ref":"ModerationData:moderation_data:2165697"},"body":"
thedavidzoo wrote:
Digging up the past here a bit, but just got off the phone with USAA.

TC is covered under my auto policy while on the truck, same terms as truck, no additional cost.

Covered under my homeowner's insurance while off the truck, in my driveway or in a campground worldwide. Subject to terms of my HO policy (deductible, limits, etc.), no additional cost.


Get it in writing. Dollar amounts and the specific camper you have. Liberty mutual rep said I was covered just like you. I spoke with a different rep who confirmed then a manager had a different opinion. It wasn't covered under either despite what I was told by two different employees.","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"203","kudosSumWeight":0,"repliesCount":0,"postTime":"2016-06-20T07:59:22.000-07:00","lastPublishTime":"2016-06-20T07:59:22.000-07:00","metrics":{"__typename":"MessageMetrics","views":480},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:TravelTrailer/category:TRAVELCENTER/community:feyqc97479board:TravelTrailerforum-board/message:2165656/message:2165697","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"attachments":{"__typename":"AttachmentConnection","edges":[],"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}}},"ModerationData:moderation_data:2165696":{"__typename":"ModerationData","id":"moderation_data:2165696","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:2165696":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:161631"},"id":"message:2165696","revisionNum":1,"uid":2165696,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:TravelTrailerforum-board"},"parent":{"__ref":"ForumTopicMessage:message:2165656"},"conversation":{"__ref":"Conversation:conversation:2165656"},"subject":"Re: Insurance coverage","moderationData":{"__ref":"ModerationData:moderation_data:2165696"},"body":"Forgot to add this above: this is for VA, so no titling or registration.","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"72","kudosSumWeight":0,"repliesCount":0,"postTime":"2016-06-20T07:33:28.000-07:00","lastPublishTime":"2016-06-20T07:33:28.000-07:00","metrics":{"__typename":"MessageMetrics","views":480},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:TravelTrailer/category:TRAVELCENTER/community:feyqc97479board:TravelTrailerforum-board/message:2165656/message:2165696","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"attachments":{"__typename":"AttachmentConnection","edges":[],"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}}},"ModerationData:moderation_data:2165695":{"__typename":"ModerationData","id":"moderation_data:2165695","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:2165695":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:161631"},"id":"message:2165695","revisionNum":1,"uid":2165695,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:TravelTrailerforum-board"},"parent":{"__ref":"ForumTopicMessage:message:2165656"},"conversation":{"__ref":"Conversation:conversation:2165656"},"subject":"Re: Insurance coverage","moderationData":{"__ref":"ModerationData:moderation_data:2165695"},"body":"Digging up the past here a bit, but just got off the phone with USAA.

TC is covered under my auto policy while on the truck, same terms as truck, no additional cost.

Covered under my homeowner's insurance while off the truck, in my driveway or in a campground worldwide. Subject to terms of my HO policy (deductible, limits, etc.), no additional cost.","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"203","kudosSumWeight":0,"repliesCount":0,"postTime":"2016-06-20T07:32:16.000-07:00","lastPublishTime":"2016-06-20T07:32:16.000-07:00","metrics":{"__typename":"MessageMetrics","views":480},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:TravelTrailer/category:TRAVELCENTER/community:feyqc97479board:TravelTrailerforum-board/message:2165656/message:2165695","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"attachments":{"__typename":"AttachmentConnection","edges":[],"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}}},"User:user:72581":{"__typename":"User","id":"user:72581","uid":72581,"login":"Geewizard","biography":null,"registrationData":{"__typename":"RegistrationData","status":null,"registrationTime":"2004-08-25T07:02:44.000-07:00"},"deleted":false,"email":"","avatar":{"__typename":"UserAvatar","url":"https://community.goodsam.com/t5/s/feyqc97479/m_assets/avatars/default/avatar-7.svg?time=1737155183000"},"rank":{"__ref":"Rank:rank:42"},"entityType":"USER","eventPath":"community:feyqc97479/user:72581"},"ModerationData:moderation_data:2165694":{"__typename":"ModerationData","id":"moderation_data:2165694","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:2165694":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:72581"},"id":"message:2165694","revisionNum":1,"uid":2165694,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:TravelTrailerforum-board"},"parent":{"__ref":"ForumTopicMessage:message:2165656"},"conversation":{"__ref":"Conversation:conversation:2165656"},"subject":"Re: Insurance coverage","moderationData":{"__ref":"ModerationData:moderation_data:2165694"},"body":"
TCINTN wrote:
State Farm

Camper on truck it is on truck policy
Camper off truck,on home policy
Written confirmation in my file and at dealer.
No extra cost on either home or truck.


x2","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"195","kudosSumWeight":0,"repliesCount":0,"postTime":"2016-05-02T07:36:44.000-07:00","lastPublishTime":"2016-05-02T07:36:44.000-07:00","metrics":{"__typename":"MessageMetrics","views":480},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:TravelTrailer/category:TRAVELCENTER/community:feyqc97479board:TravelTrailerforum-board/message:2165656/message:2165694","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"attachments":{"__typename":"AttachmentConnection","edges":[],"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}}},"User:user:174493":{"__typename":"User","id":"user:174493","uid":174493,"login":"HadEnough","biography":null,"registrationData":{"__typename":"RegistrationData","status":null,"registrationTime":"2016-04-17T17:36:52.000-07:00"},"deleted":false,"email":"","avatar":{"__typename":"UserAvatar","url":"https://community.goodsam.com/t5/s/feyqc97479/m_assets/avatars/default/avatar-12.svg?time=1737155183000"},"rank":{"__ref":"Rank:rank:42"},"entityType":"USER","eventPath":"community:feyqc97479/user:174493"},"ModerationData:moderation_data:2165693":{"__typename":"ModerationData","id":"moderation_data:2165693","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:2165693":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:174493"},"id":"message:2165693","revisionNum":1,"uid":2165693,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:TravelTrailerforum-board"},"parent":{"__ref":"ForumTopicMessage:message:2165656"},"conversation":{"__ref":"Conversation:conversation:2165656"},"subject":"Re: Insurance coverage","moderationData":{"__ref":"ModerationData:moderation_data:2165693"},"body":"Probably credit issues stemming from divorce. Notice I am a cash buyer for the tc who saved up. Credit is lousy.

Well, screw em.

No insurance, then. (Isn't required in my state unless you've been in accidents)

No claims, no accidents in my life. A couple tickets 25 years ago.

I'll take my chances.","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"203","kudosSumWeight":0,"repliesCount":0,"postTime":"2016-05-01T11:38:00.000-07:00","lastPublishTime":"2016-05-01T11:38:00.000-07:00","metrics":{"__typename":"MessageMetrics","views":481},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:TravelTrailer/category:TRAVELCENTER/community:feyqc97479board:TravelTrailerforum-board/message:2165656/message:2165693","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"attachments":{"__typename":"AttachmentConnection","edges":[],"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}}},"Rank:rank:36":{"__typename":"Rank","id":"rank:36","position":23,"name":"Navigator","color":"333333","icon":null,"rankStyle":"TEXT"},"User:user:227630":{"__typename":"User","id":"user:227630","uid":227630,"login":"Grit_dog","biography":null,"registrationData":{"__typename":"RegistrationData","status":null,"registrationTime":"2013-05-06T12:40:47.000-07:00"},"deleted":false,"email":"","avatar":{"__typename":"UserAvatar","url":"https://community.goodsam.com/t5/s/feyqc97479/m_assets/avatars/default/avatar-6.svg?time=1737155183000"},"rank":{"__ref":"Rank:rank:36"},"entityType":"USER","eventPath":"community:feyqc97479/user:227630"},"ModerationData:moderation_data:2165692":{"__typename":"ModerationData","id":"moderation_data:2165692","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:2165692":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:227630"},"id":"message:2165692","revisionNum":1,"uid":2165692,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:TravelTrailerforum-board"},"parent":{"__ref":"ForumTopicMessage:message:2165656"},"conversation":{"__ref":"Conversation:conversation:2165656"},"subject":"Re: Insurance coverage","moderationData":{"__ref":"ModerationData:moderation_data:2165692"},"body":"
HadEnough wrote:
Ridiculous insurance prices...

What are some of you currently paying?

I just got a quote from Progressive.

2009 arctic fox, 2002 dodge ram diesel. $367 a year for TC....

$1500+ for truck!

Insured both, got collision/comprehensive on truck. No accidents in my lifetime. None.

Paying close to $2000/yr seems insane to me.


You got something on your record.
07 Ram Mega, full coverage, decent liability limits, $1k deductible on all. Truck is more like $6-700 per year. 03AF is $250? I think. You realize accidents, tickets, credit score, claims on other policies all affect your rate? I.e. If you have bad credit you'll pay like you have speeding tickets! It s ucks but with the immediate availability of your entire life history, insurance companies have added many more qualifiers to their rate matricies.

As several people have said it serves everyone well to fully understand your policies and shop them once in a while. Insurance companies can and are just as crooked as used car dealers. They don't gaf about you and your camper. They care about $ only.","body@stripHtml({\"removeProcessingText\":false,\"removeSpoilerMarkup\":false,\"removeTocMarkup\":false,\"truncateLength\":200})@stringLength":"203","kudosSumWeight":0,"repliesCount":0,"postTime":"2016-05-01T11:22:27.000-07:00","lastPublishTime":"2016-05-01T11:22:27.000-07:00","metrics":{"__typename":"MessageMetrics","views":480},"visibilityScope":"PUBLIC","placeholder":false,"originalMessageForPlaceholder":null,"isEscalated":null,"solution":false,"entityType":"FORUM_REPLY","eventPath":"grouphub:TravelTrailer/category:TRAVELCENTER/community:feyqc97479board:TravelTrailerforum-board/message:2165656/message:2165692","replies":{"__typename":"MessageConnection","pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null},"edges":[]},"customFields":[],"attachments":{"__typename":"AttachmentConnection","edges":[],"pageInfo":{"__typename":"PageInfo","hasNextPage":false,"endCursor":null,"hasPreviousPage":false,"startCursor":null}}},"ModerationData:moderation_data:2165691":{"__typename":"ModerationData","id":"moderation_data:2165691","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"ForumReplyMessage:message:2165691":{"__typename":"ForumReplyMessage","author":{"__ref":"User:user:369903"},"id":"message:2165691","revisionNum":1,"uid":2165691,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:TravelTrailerforum-board"},"parent":{"__ref":"ForumTopicMessage:message:2165656"},"conversation":{"__ref":"Conversation:conversation:2165656"},"subject":"Re: Insurance coverage","moderationData":{"__ref":"ModerationData:moderation_data:2165691"},"body":"
HadEnough wrote:
Ridiculous insurance prices...

What are some of you currently paying?

I just got a quote from Progressive.

2009 arctic fox, 2002 dodge ram diesel. $367 a year for TC....

$1500+ for truck!

Insured both, got collision/comprehensive on truck. No accidents in my lifetime. None.

Paying close to $2000/yr seems insane to me.


whoa. we're paying 1200/year for 3 (close to new) vehicles and $180/year for the camper through progressive. state farm wanted $800/year more. liberty mutual who we had prior was 1480 for just vehicles and they won't insure a camper to over 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