Good Sam Club Open Roads Forum: Who do you use for Insurance?
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 > Who do you use for Insurance?

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Acdii

Capron

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Posted: 07/01/20 04:28pm Link  |  Quote  |  Print  |  Notify Moderator

Holy ****, online quote from Good sam is nearly $2,000 a year. The others are more than that. Currently paid $230 a year on the old trailer Been on hold for an hour now with gieco trying to get a quote and remove the old trailer.

EDIT, 2 hours later on hold, finally got through. Less than 1/4 what all the others listed for insurance which includes full cost replacement. $440 a year opposed to nearly $2000 a year.

Thanks for the replies. Sticking with Gieco for now.

* This post was edited 07/01/20 05:36pm by Acdii *

ktmrfs

Portland, Oregon

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Posted: 07/01/20 07:07pm Link  |  Quote  |  Print  |  Notify Moderator

Trackrig wrote:

State Farm, the same people that insure everything else I have.

Bill


x2 on State Farm.

IMHO the best choice is to use ONE insurance company for all your insurance needs. that way no overlap or gap's in coverage or arguements on who covers.


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Acdii

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Posted: 07/01/20 07:17pm Link  |  Quote  |  Print  |  Notify Moderator

ktmrfs wrote:

Trackrig wrote:

State Farm, the same people that insure everything else I have.

Bill


x2 on State Farm.

IMHO the best choice is to use ONE insurance company for all your insurance needs. that way no overlap or gap's in coverage or arguements on who covers.


Yes it is. Unfortunately, State Farm, nor Farmers Insurance wont cover my Farm. Ironic, eh? Very few insurance companies have insurance for properties with a barn and equipment riders. All my autos are under Gieco which made a huge difference in prices. It would have cost more to insure the one trailer than 2 trucks and a car combined.

ktmrfs

Portland, Oregon

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Posted: 07/01/20 10:21pm Link  |  Quote  |  Print  |  Notify Moderator

Acdii wrote:

ktmrfs wrote:

Trackrig wrote:

State Farm, the same people that insure everything else I have.

Bill


x2 on State Farm.

IMHO the best choice is to use ONE insurance company for all your insurance needs. that way no overlap or gap's in coverage or arguements on who covers.


Yes it is. Unfortunately, State Farm, nor Farmers Insurance wont cover my Farm. Ironic, eh? Very few insurance companies have insurance for properties with a barn and equipment riders. All my autos are under Gieco which made a huge difference in prices. It would have cost more to insure the one trailer than 2 trucks and a car combined.


my trailer insured with state farm (along with my other vehicles) costs $102/yr for liability, comp, collision, etc. with a $1,000 deductible. my cargo trailer with same coverage is $29/yr.

ramyankee

North Idaho/Kootenai Country

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Posted: 07/02/20 10:57am Link  |  Quote  |  Print  |  Notify Moderator

Another State Farm here.


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magicbus

Nantucket Island, MA

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Posted: 07/02/20 12:43pm Link  |  Quote  |  Print  |  Notify Moderator

We recently shifted everything to Mapfre insurance. Tough to get home owners on an island and tough to get an RV covered Massachusetts. They did both saving us almost 3 grand a year from our previous policies.

Dave


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Retired JSO

North Georgia Mountains

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Posted: 07/02/20 02:06pm Link  |  Quote  |  Print  |  Notify Moderator

Trackrig wrote:

State Farm, the same people that insure everything else I have.

Bill

Yes!





pitch

NY

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Posted: 07/03/20 07:57am Link  |  Quote  |  Print  |  Notify Moderator

I am I wrong or is everyone else. The insurance on your trailer is not in effect when it is hooked to your truck! Your auto policy covers it.
The insurance on your camper covers it when parked or stored. The trailer policy covers in storage or use. Theft fire trees fallin hail,pretty much anything that occurs when it stand alone.

Am I wrong, This was always my assumption!

ktmrfs

Portland, Oregon

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Posted: 07/03/20 11:32am Link  |  Quote  |  Print  |  Notify Moderator

pitch wrote:

I am I wrong or is everyone else. The insurance on your trailer is not in effect when it is hooked to your truck! Your auto policy covers it.
The insurance on your camper covers it when parked or stored. The trailer policy covers in storage or use. Theft fire trees fallin hail,pretty much anything that occurs when it stand alone.

Am I wrong, This was always my assumption!


may depend on the insurance company. In my case when hooked to the TV the TV insurance covers property damange, liability etc that may be caused by the trailer or towing combo. I'm not sure if damage to the trailer is covered when connected or if that relys on a trailer specific policy.

When unhooked that insurance goes away and you rely on a trailer policy to cover damage liability etc.

But again, check with your insurance company to determine exact coverage.

Mike134

Elgin

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Posted: 07/03/20 03:25pm Link  |  Quote  |  Print  |  Notify Moderator

Used Good Sam's insurance at first but turns out my auto insurance offered same coverage at a lesser price.
Now I have TV & TT covered by the same company so there's no issue who covers the damage.


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