Travel Trailer Insurance

[Dennis and Melissa]

I'm looking into travel trailer insurance.  We have one carrier now for all our home and auto.  But I'm under the impression that travel trailers are not their specialty.

Is there any downside to having a different company cover the trailer?

[ScubaRx]

Other than not having a multi-car discount, I don't see any. We've never insured our trailers with the same as our auto-home carrier.

[Steph and Dud B]

We have a different insurer for the trailer (Progressive).

[SeaDawg]

I don't think there's any "downside, " unless you get a better status as long term policy holder with your auto insurance. 

We have a wonderful homeowner's insurance agent, a different company for boats and vehicles, and good Sam's for the Ollie.

Shop around. See what works best for you. The insurance on the Ollie ( non-motorized) is the least expensive policy of all the others, but you still want backing from a reputable company.

[Galileo]

Hi all,

     Shopping for insurance (again) and trying to find out who the “best” companies are. 

We currently use GEICO for both TV and our Oliver. Maybe I’m just still living in the 80’s, but insurance has gotten rather pricey!

I have to admit to not having read every jot and tittle of our policy - but you can be sure I will now!

I hit a bit of a rude surprise when I found out “yacht” (Catalina 30 sailboat) needed a rudder and that our “cash value” policy through GEICO (Boat US) is paying for the replacement of the rudder - depreciated by its age. So they’re only going to pay 20% of the replacement cost of the rudder and other parts that are replaced. (Getting rid of the boat anyway - ready for that “other happiest day of a boat owner’s life”)

Anyway, suggestions? Experiences? 

Geico has been great with our previous TV that got hit while parked when it was 6 months old. You never get it “all” back, but they didn’t squawk at the estimates, let us use our dealer, and paid instantly. I’m leery after the boat experience that they may not be as good should we ever file a claim for the trailer. That, and I think I owe it to myself to shop around since I’m thinking I’m paying too much. (And who isn’t?!)

Edited Saturday at 09:45 PM by Galileo
Fat fingers

[jd1923]

12 minutes ago, Galileo said:

We currently use GEICO

We had GEICO for several years after Farmers got far too expensive! Then GEICO became a pain. They stopped allowing us to make changes online. Then they wouldn’t allow me to change what family member was driving what vehicle and charged us for commuting and I hadn’t driven to my job in years!

I remember trying progressive online years ago after all the Flo commercials and it was very expensive. Recently we went with a local independent agent. He shopped many companies  and he got us into a preferred account with Progressive. Costs were 20% or more less than GEICO. We switched all of our vehicles and we have several.

Twice a year I switch winter vehicles to summer. Switch two vehicles from full coverage to comp only and vice versa.

We insure our TV and Oliver with them. When we get done traveling end of July, I will put them both on Comp only for a couple of months until we travel again in October. This saves us quite a bit.

Yes, in my head too, everything is too expensive these days! Like you wrote the 80s or at least the 90s.