Rv insurance

[HighSpeedAlumin]

Hello guys, I just bought a fifth wheel and now I need to get insurance. I just called our insurance company that covers our house and our vehicles, and they offered a quote for RV insurance of $77 a year. That almost sounds too good to be true. The policy has the same coverages as our vehicles, but I was wondering what other things do you guys have covered specifically in your trailer RV policy? FWIW our insurance company is Liberty Mutual. When I inquired why the rates were so low, she said or truck covers the trailer when is in tow and the trailer is not much of a liability when it is sitting chocked at the campsite.

This quote is for:
Liability100k/300k
Uninsured 100k/300k
Liability property 100k
Uninsured property damage 50k
Underinsured bodily insurance 100/300k
comprehensive and collision insurance as well w/a $250 deductible.

I just want to make sure the insurance is actually worth something and want to know what to look for after I sift through the policy fine print. Your thoughts please.

[Nutinelse2do]

First, there is no liability insurance on the fifth wheel. Not sure what the Liability and Underinsured is that you quoted, since the liability portion is on your truck.

There should only be comp and collision.

If you are not a full timer, and someone gets injured at your campsight, or falls on your fifth wheel steps for example, your Homeowners insurance will cover that for the " liability" portion.

If the quote you are giving in for the Grand Design in your sig, it seems a little low, but not too much.

Make sure you have zero deductible glass, and that it will cover the full market value of your rig in case of fire or the worst case scenario, and your rig is totaled.

Also check to make sure your awning is covered under the policy. Usually, most policies include anything that is permanently attached to the rv.

If you are a weekender, I would guess about 1-3k contents coverage should be enough, and is normally automatic on an rv policy.

They should also give you " vacation " coverage, so if your fifth wheel ends up in yhe shop, they will pay for a hotel.

Liberty is pretty good about multi car/ homeowners policies, so that is most likely why your rate is so low.

We paid $87 for a year when we were weekenders, but we were also in Phoenix, which was considered a high crime/ theft area.

I would call your agent tomorrow and check on the coverages mentioned above.

[Coach-man]

Oh, years ago my prudential agent stated, no need for coverage on the trailer, it is covered with the TV! Turned out he was only part right, it only covered liability, nothing else!!

[Coach-man]

I agree something not right! We pay $325 per year with GEICO, it covers such things as towing hotel accomodations if RV incapacitated and the pets! So far for the coverage they have been the best.

[bkick]

The catch is that the liability only covers when attached to you tow vehicle. Plus there is no coverage for you personal property under that policy. You could have some limited coverage from your homeowners policy. Liability might extend to the trailer from your homeowners policy if your company would allow you to add it.

[minnow]

I looked at my auto policy which includes coverage for my 30' fiver for comp. and collision and the yearly rate is $81.00. So $77 seems reasonable. The benefit to having your trailer a part of your auto policy is that there can be no back and forth between 2 insurance carriers if your tow vehicle is covered by one company and the trailer by another.

[Gearitis]

ugh wrote:
WOW. No way that is legit. If it is, something is not covered and you don't want to wait until it is too late. I just got a quote for 26ft TT and it was $100 for 6 months, so that is $200 a year. I requested the low wen coverage because I don't want high end coverage for something I wont use more than 4 to 6 times a year.

Agreed! That 200 to 300 a year is what I have been quoted on brand spanking new 5ers and that included road side assist....

[ugh]

WOW. No way that is legit. If it is, something is not covered and you don't want to wait until it is too late. I just got a quote for 26ft TT and it was $100 for 6 months, so that is $200 a year. I requested the low wen coverage because I don't want high end coverage for something I wont use more than 4 to 6 times a year.

[travisc]

Better check your truck policy for trailer coverage we have lib mutual but their ford e450 rates were very high for class c ended up with geico

[darsben]

Unless you are going to pack lots of STUFF into the rig you should be fine.

[TNRIVERSIDE]

That's petty close to what we pay. Auto and car cover most situations.

[Toddupton]

Something not right for $77 a year. I live in a very low crime area and perfect driving record and my 2016 23 footer costs more than that. Although you did not say the year I don't see it making that much difference. Just my $.02