Hurricane insurance question

[Guy_Roan]

Just bought a new 2016 38 foot travel trailer and am going to put it permanently on a RV lot in Florida.

I won't ever drive it on the road, but am thinking of getting full replacement coverage for hurricane wind and flood damage(probably for 40K)

Has anyone else done this and can you give me a ball park estimate on the yearly cost?

Guy

[Guy_Roan]

Duck wrote:

wanderingbob wrote:
Just buy regular insurance for a travel trailer , it is cheaper if you do not tell them it is permanent .It will cover wind , water ,fire , tree damage and maybe some other RVer might back into you . It is all full coverage .RVs are insured like an auto !

All of the RV insurance companies that I dealt with asked if the RV is used on a permanent site. If so, you have to go to a different kind of policy.
Don

Thanks,
I was wondering about that

Guy

[Duck]

wanderingbob wrote:
Just buy regular insurance for a travel trailer , it is cheaper if you do not tell them it is permanent .It will cover wind , water ,fire , tree damage and maybe some other RVer might back into you . It is all full coverage .RVs are insured like an auto !

All of the RV insurance companies that I dealt with asked if the RV is used on a permanent site. If so, you have to go to a different kind of policy.
Don

[wanderingbob]

Just buy regular insurance for a travel trailer , it is cheaper if you do not tell them it is permanent .It will cover wind , water ,fire , tree damage and maybe some other RVer might back into you . It is all full coverage .RVs are insured like an auto !

[LynnandCarol]

we have a replacement policy with a flood rider. It is about $350. per year.

[lizzie]

Good luck with getting hurricane insurance for an RV. After over 40 years of being a State Farm customer in FL, we lost insurance on our stick & bricks rental properties and we had no claims! We went into the "state pool" for insurance which is expensive and not comprehensive. Our present winter cottage is in a flood zone. We chose to live here anyway. We are insured for wind and fire but not for water, even if the water is hurricane related. You may have to make a choice also. lizzie

[NanciL]

I am in the same situation as the OP, and am curious as to what an approximate price would be before I contact our insurance agent.


Jack L