Rover_Bill wrote:
My TT (when stationary at home, camping at an RV park, in storage, etc.) is covered by Allstate under my homeowner insurance like an external building. When it is being towed between campgrounds, Allstate covers it under my auto insurance as a separate vehicle.
Beware of Allstate's stated coverages. At least when I had them, they did not extend collision coverage to a towed trailer, only liability (I guess in case you back over somebody?). This effectively left a gap in coverage, and Allstate auto pointed fingers at Allstate RV over who would pay for my totaled trailer (Allstate RV only provided comprehensive coverage). In the end, my agent got it sorted out, as this gap in coverage was illegal in Oregon because the trailer was financed (and they also went back to call records where it showed I requested FULL coverage). But it took them 6 months to get it all sorted out, which meant my van was held hostage until they paid the $10,000+ in storage fees for the trailer.
I later found that Allstate will not extend any insurance coverage to a trailer you do not own, which didn't work for me as I was frequently towing state-owned equipment. This finally got me to shop around, and I ended up with a State Farm policy that extends FULL coverage to ANY trailer I'm hooked up too.
Hopefully by now they've cleanup up that mess between Allstate Auto and Allstate RV, but always read your binder in detail!
