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BurbMan's avatar
BurbMan
Explorer II
Jun 16, 2021

Insurance!

This has me hopping mad! I've been a USAA member for a LOT of years (40+) and always had my TT insured through them. Now they're out of the RV segment and have partnered with Progressive for that. ...
Truck Campers
wanderingaimles's avatar
wanderingaimles
Explorer
Jun 16, 2021
Ask the folks on the homeowners policy about adding some coverage, no matter how small specifically for the trailer since it may be damaged in a catastrophic even such as a flood or storm. Having your amount of personal property coverage raised will give you a much stronger position IF there were ever a claim against the homeowners policy.

About Travel Trailer Group

44,029 PostsLatest Activity: Apr 23, 2025
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has me hopping mad! I've been a USAA member for a LOT of years (40+) and always had my TT insured through them. Now they're out of the RV segment and have partnered with Progressive for that. ...","body@stringLength":"2010","rawBody":"This has me hopping mad! I've been a USAA member for a LOT of years (40+) and always had my TT insured through them. Now they're out of the RV segment and have partnered with Progressive for that. Last year when I was finishing the build (and tallying receipts) I thought insurance would be a good idea. I called USAA who sent me to Progressive where I bought a policy for $162/yr.

We move from NY to IN last month and I get everything switched over with USAA, no problem. They remind me to call Progressive and do the same. After 20 mins on the phone getting the new policy written, they ask for the VIN. I tell them there is no VIN, only a serial number. This is not a vehicle, it's a camper. Uh-oh, please hold.

The Progressive guy comes back on the phone and says they can't write the policy since the camper has no VIN. Further, my NY policy currently in effect with Progressive is being cancelled immediately, because it was written by an independent agent, not a Progressive employee, and they made up numbers for the VIN to get the policy boarded. WHAT?? Oh, and you're not entitled to a refund.

So I call USAA back and let them know how well Progressive is treating their customers. I got a really nice guy on the phone who tells me that my camper is actually covered by my homeowners policy like any other personal property.

If you had $5000 worth of expensive furniture in your truck and you were in a crash and rolled the truck and ruined the furniture, the auto policy would cover damage to the truck and homeowner's would cover the loss of the furniture. Same with the camper, it's personal property like furniture, not a vehicle.

The main reason for wanting insurance is to cover it from storm damage while it's parked, not really concerned about collision.

Who do you guys use for insurance? Anyone have a similar experience with Progressive? Anyone get a similar story about being covered by homeowners?","kudosSumWeight":0,"postTime":"2021-06-16T10:41:06.000-07:00","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":2,"currentRevision":{"__ref":"Revision:revision:3537618_1"},"latestVersion":null,"metrics":{"__typename":"MessageMetrics","views":8993},"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,"customFields":[],"body":"This has me hopping mad! I've been a USAA member for a LOT of years (40+) and always had my TT insured through them. Now they're out of the RV segment and have partnered with Progressive for that. Last year when I was finishing the build (and tallying receipts) I thought insurance would be a good idea. I called USAA who sent me to Progressive where I bought a policy for $162/yr.

We move from NY to IN last month and I get everything switched over with USAA, no problem. They remind me to call Progressive and do the same. After 20 mins on the phone getting the new policy written, they ask for the VIN. I tell them there is no VIN, only a serial number. This is not a vehicle, it's a camper. Uh-oh, please hold.

The Progressive guy comes back on the phone and says they can't write the policy since the camper has no VIN. Further, my NY policy currently in effect with Progressive is being cancelled immediately, because it was written by an independent agent, not a Progressive employee, and they made up numbers for the VIN to get the policy boarded. WHAT?? Oh, and you're not entitled to a refund.

So I call USAA back and let them know how well Progressive is treating their customers. I got a really nice guy on the phone who tells me that my camper is actually covered by my homeowners policy like any other personal property.

If you had $5000 worth of expensive furniture in your truck and you were in a crash and rolled the truck and ruined the furniture, the auto policy would cover damage to the truck and homeowner's would cover the loss of the furniture. Same with the camper, it's personal property like furniture, not a vehicle.

The main reason for wanting insurance is to cover it from storm damage while it's parked, not really concerned about collision.

Who do you guys use for insurance? Anyone have a similar experience with Progressive? Anyone get a similar story about being covered by homeowners?"},"Conversation:conversation:3537618":{"__typename":"Conversation","id":"conversation:3537618","solved":false,"topic":{"__ref":"ForumTopicMessage:message:3537618"},"lastPostingActivityTime":"2021-09-08T06:22:49.000-07:00","lastPostTime":"2021-09-08T06:22:49.000-07:00","unreadReplyCount":39,"isSubscribed":false},"ModerationData:moderation_data:3537618":{"__typename":"ModerationData","id":"moderation_data:3537618","status":"APPROVED","rejectReason":null,"isReportedAbuse":false,"rejectUser":null,"rejectTime":null,"rejectActorType":null},"Revision:revision:3537618_1":{"__typename":"Revision","id":"revision:3537618_1","lastEditTime":"2021-06-16T10:41:06.000-07:00"},"ForumReplyMessage:message:3537622":{"__typename":"ForumReplyMessage","id":"message:3537622","conversation":{"__ref":"Conversation:conversation:3537618"},"author":{"__ref":"User:user:307808"},"revisionNum":1,"uid":3537622,"depth":1,"hasGivenKudo":false,"subscribed":false,"board":{"__ref":"Forum:board:TravelTrailerforum-board"},"subject":"Re: Insurance!","readOnly":false,"editFrozen":false,"moderationData":{"__ref":"ModerationData:moderation_data:3537622"},"parent":{"__ref":"ForumTopicMessage:message:3537618"},"body":"Ask the folks on the homeowners policy about adding some coverage, no matter how small specifically for the trailer since it may be damaged in a catastrophic even such as a flood or storm. Having your amount of personal property coverage raised will give you a much stronger position IF there were ever a claim against the homeowners policy.","body@stringLength":"341","rawBody":"Ask the folks on the homeowners policy about adding some coverage, no matter how small specifically for the trailer since it may be damaged in a catastrophic even such as a flood or storm. 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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 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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: 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order: 1;\n }\n\n &.custom_widget_CustomFooter_footer-terms-order-2_hp49n_435 {\n order: 2;\n }\n }\n}\n.custom_widget_CustomFooter_footer-bottom_hp49n_441 {\n @media screen and (min-width: 992px) {\n padding-top: 0.625rem;\n }\n\n .custom_widget_CustomFooter_footer-bottom-list-center_hp49n_446 {\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 1.25rem;\n\n @media screen and (min-width: 992px) {\n border-right: 1px solid #666;\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: 0.875rem;\n padding: 0.625rem;\n\n @media screen and (min-width: 992px) {\n display: inline;\n font-size: 0.75rem;\n padding: 0 0.75rem 0 0.625rem;\n }\n }\n }\n 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