Who do you use for insurance of your Travel Trailer? Do you use the same company for Auto/Home? Have you shopped prices? If so, what did you find?For the first time in 20 years I am shopping all my insurance around and the RV rates seem odd.I currently pay $736/year through Allstate. I was quoted $596 from State Farm. I used the Progressive website and got a quote of $316. Tried using Gieco but it said I must have auto policy with them to get RV quote.This is for my 2014 Outback Terrain 250TRS.

Isn't progressive only a 6 month policy?

Pbois334 wrote:Isn't progressive only a 6 month policy?Your Progressive quote has been saved Thank you for quoting with Progressive. Your quote number is xxxxxxxxxx.Your 12-month policy premium is $316.00 if paid in full.

X2 Progressive... pay about the same - had great service with a few minor claims...

Our trailer is tied in to our truck policy with Farmers.

Our policy is much less with USAA than with others mentioned. We have gieco for our auto. I shop around every vehicle I get. You never know who will be cheapest.

Travel Trailer Insurance | Good Sam Community

21 Replies

deltabravo
Nomad
Apr 11, 2017
azdryheat wrote:
Our trailer is tied in to our truck policy with Farmers.

Ditto for my 2 RVs and my cargo trailer.

700+ seems really high for just the trailer. In fact it's astronomically high if that dollar amount is only the trailer.
Atlee
Explorer II
Apr 11, 2017
My trailer insurance is with State Farm. The policy on the TT is for a full year. Our policies for our motor vehicles only run 6 months at a time.
APT
Explorer
Apr 11, 2017
I have Farmer's for my TT along with my auto and home insurance. The TT is under $200/yr.
Earl_E
Explorer
Apr 11, 2017
We have Liberty Mutual and pay only $58 a year to add Comp and Collision for our trailer. Our Auto policy covers Liability while hooked to the truck and our homeowners cover liability for my wife and I when the trailer is unhooked.
mfoster711
Explorer II
Apr 11, 2017
I ended up going with Progressive also. I got it for $250/year from them. Allstate quoted $480 and State Farm was $590.
fx2tom
Explorer
Apr 10, 2017
I'm with Progressive, $28k agreed replacement value for about $275 a year
yillb
Explorer
Apr 06, 2017
I got geico with 500 dollar deductibles, for 860/year , and some other various goodies. Super cheap.
TundraTower
Explorer
Apr 06, 2017
I also use the same vendor as house and cars. The trailer liability coverage comes from the tow vehicle coverage so I increased that a good bit. Collision and comprehensive is basically what I buy for the trailer itself.

One other thing to consider is if you have a liability umbrella. We do, and our insurer requires that all vehicles be covered by them in order to get the liability umbrella.
Rawben
Explorer
Apr 04, 2017
Same here. Our policy was less than $200 with State Farm for our toy hauler. They never asked for the value, etc. We had a tire blow out on our way to Florence, Oregon and State Farm took great care of us. It will depend on how the hazard happened it it's under your RV insurance or your vehicles.

delwhjr wrote:
I have insurance from State Farm and will continue due to excellent service and claims history. I had a trailer which literally came apart on the freeway( undiscovered water issue), called claims and sent pictures, received check for entire value(totaled out) in two days. I was told to do what I wanted with the trailer and sold it for parts to a dealer. No muss, No fuss. Having a long term relationship with an agent which I can call day or night (he will answer) is worth more than a quickie discount that goes up the next year.
afidel
Explorer II
Mar 30, 2017
$197/year for $16k in coverage on my trailer, same policy as the rest of my vehicles.