Fifth wheel ins? Liability?

[arnko37]

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 fifth wheel and called for coverage Hartford quoted a yearly premium of only $29. This coverage was limited to $11,500, the value of the trailer. I mentioned this on this forum and caught some flak such as" what about liability, what will you do if someone trips over a water hose while you are set up and sues you." Good question. Hartford later on gave me a huge increase(almost 50%) for no apparent reason. So I switched to State Farm. Now my 5th wheel ins is about $230 per year. I asked the agent "what if someone trips etc. am I covered?" He said no, that liability coverage comes thru your home owners policy. Something sounds wrong here. Can any shed some light on this? Thanks

[JimandMary]

For the last 25 years I assumed that my homeowners policy covered my trailer. NOT.. I had to get a rider to insure the trailer when it is disconnected from the truck. Remember that the trailer is covered by your truck policy only when it is attached to the TV.

Jim

[Stefonius]

Our coverage is through Nationwide. It's what they call a "hybrid policy". When the trailer is in motion, it's covered by traditional auto/trailer insurance. When we're parked and using it for it's intended purpose, it's covered by homeowner's insurance. It's all one policy, though. I'm not sure what it costs, as it's in DW's name and she pays the bill.

[craig7h]

I have both my house,truck and 5th wheel through the Hartford. I just talked to them about coverage as it had been awhile since talking to them about it. I tried to compare their coverage to the list put out by good sam. Between both of the hartfords insurance I was covered equal to the g.s. insurance. I have never had to use it hope never do. I am sure there insurance will be no better or no worse once the insurance adjusters get done.

[JamesBr]

Some companies do not underwrite items like that under a specific policy.

Take the Hartford. I have them and they covered all of my vehicles including the motorhome with liablity, collision/comprehensive on the MH and Truck, but not my POS commuter car, and last agreed value replacement on the MH. When I moved to the 5th wheel, they cover the 5th wheel with comprehensive and collision as well as agreed value replacement. The difference now is that liability is not required on the trailer, even if I carried the liability rider, if there where an accident the vehicle the claim would go against would be the motor vehicle (the truck.) However, we did look over my liability limits to ensure that I had the coverage I needed in the case of an accident totalling everything no matter who may be found at fault (or none) by the lawyers.

[HappyKayakers]

Us fulltimers have to worry about the extra liability coverage. From what I've heard, recreational RVers are covered through their homeowners policies.

[fishingbob61]

Yes, your homeowner ins. covers your liability. Did you ever think about cking with Good Sam Ins? They might save you some ?? on your TV and 5er.