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dedmiston

The West

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Posted: 12/03/20 11:10am Link  |  Quote  |  Print  |  Notify Moderator

It always seems rude to me when someone says "read the manual" (even though I write manuals for a living), but in this case, you really need to sit down and read the policy. The language and exclusions are different for different carriers, so you really do need to read yours to find out what's covered.

It won't be covered for theft, fire, collision, etc., but your primary auto policy might cover it for liability.

Also, check out your umbrella policy (if you have one) and see if there's any coverage there.


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APT

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Posted: 12/03/20 01:50pm Link  |  Quote  |  Print  |  Notify Moderator

Umbrella for liability only or ask if liability is included when connected to the tow vehicle and driving down the roads.


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fx2tom

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Posted: 12/03/20 02:16pm Link  |  Quote  |  Print  |  Notify Moderator

I insured my 2007 toy hauler. I bought it for $8k. Insurance through Progressive was $138 per year. Safeco was $131. Trailer was stolen, insurance paid more than I paid. For about $11 a month it was well worth the protection.


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valhalla360

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Posted: 12/03/20 02:32pm Link  |  Quote  |  Print  |  Notify Moderator

APT wrote:

Umbrella for liability only or ask if liability is included when connected to the tow vehicle and driving down the roads.


If you are going this route, get it in writing what is covered.

Verbal confirmation can quickly be forgotten.


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CavemanCharlie

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Posted: 12/03/20 05:13pm Link  |  Quote  |  Print  |  Notify Moderator

When it is being towed the tow vehicles coverage covers it too.

For when it is parked I just used the same company (State Farm) and the same agent that I have had for everything else for the last 40 years or so.

It is not very expensive.

hpdrver

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Posted: 12/03/20 05:29pm Link  |  Quote  |  Print  |  Notify Moderator

Thanks for the info. I will have my son callUSAA to check on liability coverage and then Pogressive for comprehensive.


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ktmrfs

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Posted: 12/03/20 10:10pm Link  |  Quote  |  Print  |  Notify Moderator

Lwiddis wrote:

"No need to insure a trailer as most likely your auto insurance will cover the towed vehicle."

Most likely?


many will cover while hooked up and towed. once unhooked off your property, no insurance, either comp, collision, or Liability. Liability is IMHO the big issue. If someone is injured and claims it was your fault when the fell off the steps etc. with liability the insurance Company handles it. And the cost is minimal. On our trailer (state farm) liability (300K), property damage ($100K) and collision is a whopping $90/year with a $2K deductible. and the umbrella policy extends the liability to $2M.


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Grit dog

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Posted: 12/04/20 10:09am Link  |  Quote  |  Print  |  Notify Moderator

Lwiddis wrote:

"No need to insure a trailer as most likely your auto insurance will cover the towed vehicle."

Most likely?


For liability reasons while towing? Yup most likely. Thanks for playing.


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Grit dog

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Posted: 12/04/20 10:09am Link  |  Quote  |  Print  |  Notify Moderator

hpdrver wrote:

Thanks for the info. I will have my son callUSAA to check on liability coverage and then Pogressive for comprehensive.


Thought he didn’t want comp?
Now would be a good time to read your existing policies.

Grit dog

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Posted: 12/04/20 10:14am Link  |  Quote  |  Print  |  Notify Moderator

ajriding wrote:

You can insure anything....
No need to insure a trailer as most likely your auto insurance will cover the towed vehicle.

A general umbrella policy might be as cheap as $300 per year and give you a million in coverage, which as it sounds, covers everything in your life like an umbrella. The exception is sexual crimes and possibly crimes you purposely committed. This would cover damages your trailer made as well as anything you might get sued for in your daily life. Many variables in different policies, but this is the way to go to protect yourself if you have any assets a lawsuit could come after.


Umbrella policy for potentially needing a little liability coverage? Maybe, if the OPs son is worth enough to make an umbrella worthwhile. But it is not even on the top 10 list of how to get cheap liability on an old cheap RV.
Although some people rely on insuring everything they own or could be liable for 6 ways from Sunday, so they can sleep better at night.

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