my travel trailer will be stationary throughout the year?
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โFeb-18-2020 03:42 PM
Gieco offers a quote but no where to put the finance company name or additional owners.
Must have insurance before monday.
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โFeb-22-2020 09:48 PM
carringb wrote:
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)...
Last year while leaving Myrtle Beach State Park, I clipped a tree with my slideout topper which was totally torn off the TT (TT collision while moving out). Allstate paid for the fiberglass repair of the TT and a new topper replacement (except for the standard $250 deductible). It was all done online with no hassle. I don't know if MBSP filed a liability claim for any tree damage.
2016 Keystone Passport GT 2670BH
ReCurve R6 hitch, DirecLink brake controller
2005 Suzuki C50 2006 Suzuki S40
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โFeb-20-2020 04:50 PM
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โFeb-20-2020 07:37 AM
Not as old as some of you esteemed members, but old enough that Iโve seen or had good and bad experiences with quite a few insurance companies.
And surprising to some Iโm sure, the top 3 worst have been Allstate, State Farm and AAA Chicago Motor club, in that order.
The first 2 actually committed fraud, the last just screwed my parents.
At the same time, Progressive โwasโ good for us, but only a couple minor incidents, both of which were no fault and the other party had Progressive as well. But adding a new car a couple years ago must have triggered some rate check and Flo realized she hadnโt been making enough $ off of us with a clean record and good rates.
Time for a new ins co. And amazingly, it was considerably less for better limits.
Never trust an insurance company.
Theyโre in the top 5 for slimy business practices along with car dealers, mechanics, lawyers and home repairs.
2017 Heartland Torque T29 - Sold.
Couple of Arctic Fox TCs - Sold
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โFeb-19-2020 05:57 PM
2oldman wrote:
Other than the financier demanding it, not sure why you'd need insurance on a stationary trailer.
yes That would be the reason. Just like your mortgage company requires life insurance, and homeowner's on your house. The finance company requires comp, and collision
Coachman Apex 288BH.
2013 F150 XLT Off Road
5.0, 3.73
Lazy Campers
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โFeb-19-2020 01:54 PM
Rig: 2013 Heartland, Sundance, 5th wheel
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โFeb-19-2020 12:42 PM
carringb wrote:If you're living where meth-heads can steel (sic) your trailer, perhaps you should choose a better neighborhood.
10) meth-heads steel the whole trailer
Balance all that with the likelihood vs. the replacement cost of the trailer.
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โFeb-19-2020 12:28 PM
Keith - Director of Good Sam Insurance Agency
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โFeb-19-2020 12:20 PM
Matt1221 wrote:
My co-signed & financed travel trailer will be stationary throughout the year & progressive won't even give me a quote on it. Who is your go to for cheap insurance? And is there tricks or tips to this?
Gieco offers a quote but no where to put the finance company name or additional owners.
Must have insurance before monday.
I would just ask for a standard RV comprehensive quote. They don't need to know you aren't moving it. MANY new RVs never get used more than a weekend a year anyways. If they ask when you'll be towing with, just say it's being delivered and you'll rent a truck in the future with liability and collision coverage.
2014 ORV really big trailer
2015 Ford Focus ST
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โFeb-19-2020 12:17 PM
2oldman wrote:
Other than the financier demanding it, not sure why you'd need insurance on a stationary trailer.
There are many good reasons for it. I'd even suspect most total loss claims involve stationary units rather than towed units. Off the top of my head, here are some potential comp claims I can think of:
1) Fridge catches itself on fire
2) stray campfire ember catches the trailer on fire
3) wilfire
4) Somebody backs into it, sending it rolling down a hill
5) tree falls on it
6) creek floods
7) toilet floods
๐ meth-heads move in on a weekend you aren't around
9) meth-heads steel all the metal on, in, and under the trailer
10) meth-heads steel the whole trailer
This list could go on pages....
2014 ORV really big trailer
2015 Ford Focus ST
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โFeb-19-2020 12:12 PM
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!
2014 ORV really big trailer
2015 Ford Focus ST
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โFeb-19-2020 11:51 AM
2oldman wrote:
Other than the financier demanding it, not sure why you'd need insurance on a stationary trailer.
:E :S
2018 Ford F-150 Max Tow Crew 6.5 3.5 Eco...
2013 Keystone Passport 2650BH, EQUAL-I-ZER 1K/10K
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โFeb-19-2020 11:47 AM
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โFeb-19-2020 08:32 AM
I know for a fact mine is not.
Dodge Cummins Diesel
Mega Cab
Jayco Travel Trailer
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โFeb-19-2020 06:30 AM