Fifth-Wheel Insurance Poll

[Newt]

No State Farm RV insurance for us.  When I asked about the 5 year replacement,  I just got the deer in the headlights look.

Newt

Newt, State Farm, like most companies will only pay actual cash value on a total loss. The companies that offer "replacement value" coverage offer it as a rider, and only on units from new to 5 years of age. When we bought the Collingwoods' trailer in 2008, I checked several companies. Progressive wanted $946/yr. State Farm $520. Coverage was nearly identical; Progressive offered the replacement cost rider. Gilbert RV Insurance wanted nearly $1000/yr. but their coverage was better suited to fulltime use. In the end, I went with State Farm as a compromise, as their premium quote was lower than anyone when "off premises" storage was factored in. Progressive stopped talking to me when I told them the trailer would not be stored at our home.

Who cares if it's a rider or whatever.  Insurance purchasers are not insurance people.  It's what you get or don't get that counts.  The insured couldn't care less as long as they get what they want.

 Our State Farm Agent (Who we've had insurance for over 20 years, homeowners and vehicle, boat, rv etc) acted as if they had never heard of 5 year replacement value when purchasing a new RV.  Therefore when we bought the Arctic Fox, State Farm didn't get the policy.  At that time we didn't get into the full time policy.  Nor, do they have the policy on our SnowBird.

When ever the house sells, and the truck comes up for renewal, it won't be with State Farm.

Newt

[Yoopers]

When we purchased our Freightliner M2 last year we found out that very few companies would insure it. We are now with GMAC through Good Sam. The Freightliner, our 3/4 ton GMC and our 33 foot 2008 5th wheel are all insured for $1600/year.

Johna

["Highlander"]

We paid less than $200.00 per year on the 5er .... The truck a 2005 Dodge 3500 dually diesel was around $700.00 per year with RV Advantage.
Link is as Follows http://www.fcisinsurance.com/rv-advantage.asp  $1600.00  sounds a little high to me...
If you call ask for Mary Peterson ....
Roy

[koltuvcanaandogs]

We have ours with Blue Sky RV Insurance: $340/year including replacement value for 1st 5 years and purchase price after that.

URL:  http://www.blueskyrvinsurance.com/

Carrie

[thomasmnile]

After 33 years insuring my vehicles with State Farm, I pulled the plug on their coverage of our vehicles and the trailer. I came home from a trip to Arkansas to visit my brother (I flew, next time it'll be in the trailer. Too many fish with my name on 'em out there  ) and opened the State Farm renewal for the truck (05 Ram 3500). They wanted $502, up from $446. No accidents, no tickets. Called GEICO for quotes. Identical coverage for the truck with them was over $150 less per 6 month policy period; saved money on the wife's car too.

$612.50/year to insure the trailer. $70 more than current State Farm premium, but it includes roadside assistance for the truck & trailer, $1000 medical payments coverage, $5000 personal property coverage, & $10000 vacation liability coverage. State Farm had none of these features available. My homeowners' policy with State Farm was renewed (the good news) but at a $600 increase in premium. Ostensibly, they're still trying to recoup losses from the 2004-05 hurricanes. They also eliminated all discounts on the homeowners with the exception of the wind resistant construction discount for the hip roof. So much for loyalty................

[Jeff Collingwood]

$1600 a year is not to high when you are talking about insuring a $130,000 truck with a $100,000 trailer.  I pay $1,700 a year and I got lots of quotes.  Most "insurance" companies don't even know what a Freightliner is let alone insure them.  People that have really cheap insurance have really cheap insurance.
...Jeff...

We paid less than $200.00 per year on the 5er .... The truck a 2005 Dodge 3500 dually diesel was around $700.00 per year with RV Advantage.
Link is as Follows http://www.fcisinsurance.com/rv-advantage.asp  $1600.00  sounds a little high to me...
If you call ask for Mary Peterson ....
Roy

[F4RIO]

$1600 a year is not to high when you are talking about insuring a $130,000 truck with a $100,000 trailer.  I pay $1,700 a year and I got lots of quotes.  Most "insurance" companies don't even know what a Freightliner is let alone insure them.  People that have really cheap insurance have really cheap insurance.

Jeff,

What were you paying for insurance when you had the Ford and the HH II?

<Don>

[Jeff Collingwood]

Believe it or not:  $1200 a year for the truck and $500 a year for the trailer.  The HH CE brought it up to $700 a year.  I had the truck insured with my "car" company and the trailer with a RV company.  Now they are both with the RV company.
...Jeff...

$1600 a year is not to high when you are talking about insuring a $130,000 truck with a $100,000 trailer.  I pay $1,700 a year and I got lots of quotes.  Most "insurance" companies don't even know what a Freightliner is let alone insure them.  People that have really cheap insurance have really cheap insurance.

Jeff,

What were you paying for insurance when you had the Ford and the HH II?

<Don>

[EdJ]

Tom,  thanks for mentioning the trailer storage issue.  That was another reason we've stayed with State Farm.  Over the years, they've never had a problem with our storing RV's away from home. 

Dale

Interesting....  I had State Farm insurance on my trailer while it was at home in NY.  When I asked the agent if I could continue with the policy after I took the trailer to FL and it would be stored down there, he said that he could not cover it anymore.  I would have to get a policy in FL if the trailer was stored there.  It had something to do with the way the state insurance agencies charter the companies.  I ended up getting a 'comprehensive only' policy from GMAC through Camping World in Orlando.

You may not have had any problem with State Farm storing the trailer away from home, but have you asked the agent if that is OK with the company?  If it is not, the company could refuse to pay a claim if (from their view) you broke the terms of the policy.  Right in the terms of the policy, it states that you have to notify them if the trailer is not stored at your home address.

[thomasmnile]

Tom,  thanks for mentioning the trailer storage issue.  That was another reason we've stayed with State Farm.  Over the years, they've never had a problem with our storing RV's away from home. 

Dale

Interesting....  I had State Farm insurance on my trailer while it was at home in NY.  When I asked the agent if I could continue with the policy after I took the trailer to FL and it would be stored down there, he said that he could not cover it anymore.  I would have to get a policy in FL if the trailer was stored there.  It had something to do with the way the state insurance agencies charter the companies.  I ended up getting a 'comprehensive only' policy from GMAC through Camping World in Orlando.

You may not have had any problem with State Farm storing the trailer away from home, but have you asked the agent if that is OK with the company?  If it is not, the company could refuse to pay a claim if (from their view) you broke the terms of the policy.  Right in the terms of the policy, it states that you have to notify them if the trailer is not stored at your home address.

Ed,

Apparently off premises storage was an issue for State Farm as far as rating the policy and setting the premium. I took great pains to let the agent know where the trailer was stored (secure facility in Deland w/ infrared motion sensors on the perimeter, razor wire topped fence, 9 cameras and an electronic gate. (Even an alligator or two outside the property!). The agent still entered our residence address as the storage location. Not wanting to be a party to fraud if something happened, I accessed the policy info. via SF's website and changed it back to the storage facility's address. It was changed back to our residence address again; by whom I have no idea.

[xtravel1979]

Has anyone had experience with using the tow vehicle insurance to cover the RV on collision? I have heard that collision on both units is double coverage.Any comments?

[F4RIO]

I have heard that collision on both units is double coverage.Any comments?

On my FW I have comprehensive and collision but that's all.  The truck covers everything else - Bodily Injury, Property Damage, Medical Payments and Uninsured Motorists.  Not sure why the truck doesn't cover all the collision. Maybe in case the trailer hits something without being attached to the truck. 
<Don>

[thomasmnile]

Has anyone had experience with using the tow vehicle insurance to cover the RV on collision? I have heard that collision on both units is double coverage.Any comments?

Travel, with my recent switch to GEICO, the roadside assistance premium for the truck is about $9 per policy period (6 months) and $13.90 for the trailer. The GEICO rep. assured me in the event of a breakdown of the truck, their providers will either send two wreckers to handle the truck and trailer separately, a wrecker of sufficient capacity to tow them as a unit, or a lowboy flatbed hauler if the trailer can't be moved any other way. The rep. said the policy allows for towing to the nearest point of repair (truck or trailer), and she passed on they have policyholders who told her they've even had their trailers towed to a campground if their tow vehicle has broken down. The coverage also includes tire changing with an available spare. I don't know if AAA style road service (lockout, jumpstart, fuel delivery) are included; still have to read the policy documents.

Edit: Most of the companies I shopped when I got the trailer just use an "automobile" policy form and fill in the blanks for collision and comprehensive, and add whatever "bells and whistles" they may offer. I think they treat trailers as an individual vehicle because they are separately titled and registered. I know both State Farm and GEICO do not extend liability/property damage coverage to the trailer from the tow vehicle unless they are physically connected to one another. Otherwise, no liability coverage w/ State Farm when camped; with GEICO I'll have $10K liability coverage if someone is injured in or around the trailer when camped.

[North Dakota]

Our fifth wheel insurance with Progressive was about $680 this year.
We have full coverage including replacement cost coverage and we also raised the personal property coverage.  Progressive has disappearing deductibles the longer you are with them if you are accident free.  We deal with progressive directly via their 1-800 number and cannot praise them enough for their care and service.

We also insure the truck with Progressive.