Another Farm Bureau. We have $250 ded on the TT and also the cars. Theft is covered under homeowners while TT is at home. While being towed, auto policy covers most things. Personal property, etc while not at home is covered very well with full replacement. Our premium is right at $80 per 6 months. Your quote seems high. We have everything with Farm Bureau, so what one policy might not cover, the other one will.
While with Geico, we had an awning taken out by a storm during the night and they were top notch in getting it replaced....even upgraded to the better quality because the company they'd recommended found that our original one was out of stock and the wait was lengthy, so just covered the upgrade. Very nice. Seems like the policy on our HTT was a bit less, maybe $65 per 6 months. Less trailer, less premium.