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RV Insurance for Travel Trailer

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  • RV Insurance for Travel Trailer

    We are getting ready to buy our first travel trailer and I wondered where most of you get your RV insurance - add coverage under your current auto/homeowner's policy? Or are there RV insurance companies out there that offer better coverage for the price? Our insurance company says they can add the RV to our auto policy - including towing - for about $360/year. This does not include Personal Property coverage for the RV. Being new to this I have no idea if that's a good price/good coverage or not or whether it's better to get coverage for a company specializing in RV Insurance.

  • #2
    One usually gets the best deal bundling the RV with your current auto policy. Depending on you you're already with, you may get a better deal on everything by shopping around. For us, everything is with USAA - car, truck, fifth wheel, renters' insurance (we're full-timers) and an umbrella policy for liability.

    Rob
    Rob & Laura
    U.S. Army Retired (Rob)
    2012 F350 DRW CC Lariat PS 6.7, PullRite OE 18K
    2020 Solitude 310GK-R, MORryde IS and disc brakes, solar, DP windows
    (Previously in a 2016 Reflection 337RLS)
    Full time since 08/2015

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    • #3
      Our agent also included the premiums for an Umbrella policy for home/auto/RV that she says provides more liability coverage. But she didn't send me an actual policy to see what's included. I think I'll ask her to send that. Changing to an Umbrella Policy for everything with liability was about $900/year more than we pay now - WOW! This is all so new to us and a little overwhelming - but I'm finding such great information on the forums! Thank you so much!

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      • #4
        Originally posted by CampCinci View Post
        Our agent also included the premiums for an Umbrella policy for home/auto/RV that she says provides more liability coverage. But she didn't send me an actual policy to see what's included. I think I'll ask her to send that. Changing to an Umbrella Policy for everything with liability was about $900/year more than we pay now - WOW! This is all so new to us and a little overwhelming - but I'm finding such great information on the forums! Thank you so much!
        $900/year? WOW! Our $1,000,000 umbrella policy is $224/year.

        Rob
        Rob & Laura
        U.S. Army Retired (Rob)
        2012 F350 DRW CC Lariat PS 6.7, PullRite OE 18K
        2020 Solitude 310GK-R, MORryde IS and disc brakes, solar, DP windows
        (Previously in a 2016 Reflection 337RLS)
        Full time since 08/2015

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        • #5
          We just have ours bundled with our auto and home. Our personal property in the RV is pretty low so I do not include that, if full timing then you my wish to have that included.

          Brian
          Brian & Michelle
          2018 Reflection 29RS Oct.17 build date, EMS-HW50C , Lippert Remote
          2015 Chevy 3500HD CC LB Duramax , Reese Elite 18K

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          • #6
            Originally posted by CampCinci View Post
            We are getting ready to buy our first travel trailer and I wondered where most of you get your RV insurance - add coverage under your current auto/homeowner's policy? Or are there RV insurance companies out there that offer better coverage for the price? Our insurance company says they can add the RV to our auto policy - including towing - for about $360/year. This does not include Personal Property coverage for the RV. Being new to this I have no idea if that's a good price/good coverage or not or whether it's better to get coverage for a company specializing in RV Insurance.
            The notes below are from my personal experience researching this topic--I may have something wrong so *please* confirm with a professional to ensure your personal situation is covered. I'm providing the info below as "food for thought" as a fellow owner, not as an expert on insurance.

            At the National Rally last year a gentlemen named Jake Brunscheon from Farm and City Insurance Services gave an insurance presentation tailored to RVs. He was very knowledgeable. I can't find his contact information but if you google the company name I believe you'll find a link to "FCIS" and from there you can track him down.

            While insuring my RV against loss is important, for me it was not what I focused on when I was looking for an insurance policy. I was looking at liability. What I found with USAA (who I've been with for decades) is for liability the RV is only covered when connected to the TV. From my notes: "USAA assumes liability is covered by homeowner's insurance" (when the RV is disconnected from the TV). USAA doesn't issue homeowners policies in NW Florida and their "qualified" insurers are multiple times more expensive than the Florida-based insurer for my home, so getting a USAA RV policy didn't work for me.

            I have extensive notes from multiple conversations with USAA confirming this information. What that means is if (God forbid!) a child falls into the campfire and is rushed to the emergency room, USAA's RV insurance doesn't cover any of the related liability expenses. Progressive has what they call "Vacation Coverage" which is liability coverage for the scenario previously outlined. In other words that is liability coverage when the RV is disconnected from the TV.

            I tried to get an umbrella policy, but USAA won't issue one since I don't have my homeowners with them. Progressive won't issue one to me for the same reason, even though my home's coverage more than meets the requirements for both USAA and Progressive and my insurance company in Florida is rated extremely well. (I forget the scale, but when I checked they were top-notch.) So I've got homeowners from one company, auto through another, and my "toys" through yet another. Trying to bundle them all together to get an umbrella would be very expensive.

            So, for me, a Progressive policy worked out the best. The cost is $548 per year, and that's with a "discount" since I have my motorcycle with them, too.

            Hang in there with your research! Owning an RV comes with a lot more work than most of us anticipate.

            One more thought--call back and confirm whatever someone from an insurance agency tells you. I got no less than three different answers from USAA when I talked to different agents. (USAA can get confused between a motorized RV and a travel trailer--they are different!) When I confronted the fourth agent with the dates, times, (and names) of the agents I'd previously spoken with and the information I was given the call was elevated to a supervisor. After several lengthy waits listening to elevator music she informed me of the information I've posted above.

            Hope some of this helps...

            -Howard


            Forum moderators are not GD employees--we are volunteers and owners presumably just like yourself. Unless specifically mentioned otherwise, we have nothing to gain should you choose to purchase a product or engage a service we discuss on this forum.

            Howard, 2017 Ford F-350 DRW, '19 315RLTSPlus

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            • #7
              Great advice - thank you!

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              • #8
                I spoke with one insurance agent today and the first thing he wanted was my birth date, social security number, etc. I asked why I need to give personal information for a quote. He said they do a "soft insurance credit pull" and I did not want to give the info. But he did tell me that I should be able to have an umbrella policy with $1,000,000 of liability for around $200/year. When I told him my insurance company price was an additional $900/year he asked if we have a couple of teenage drivers or bad driving records - to which I responded NO! With the other comment above stating they pay $224/year I am starting to think I need to find a new insurance company.........Thanks to all of you for your responses!

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                • #9
                  State Farm:
                  Policy details:
                  2017 GRAND DESIGN RV ($226/yr for Comp, Collision and Emergency Road Service) Liability under $1mil umbrella policy
                  2019 NISSAN Leaf ($238.02 / 6 mos)
                  2019 FORD F350 LARIAT DIESEL ($255.67 / 6 mos)
                  2019 FORD F150 XLT ($268.81 / 6 mos)
                  2015 LEXUS RX450H (* $621.04/ 6 mo)
                  2018 KAWASAKI 817CC UTV/DB ($75/yr Liability - Bodily Injury / Property Damage $250,000 each person / $500,000 each accident / $100,000 each accident)
                  $1,000,000 PERSONAL LIABILITY UMBRELLA POLICY (ABOUT $300/YR)

                  On the 4 cars we cover
                  Liability Coverage Bodily Injury Limits Each Person, Each Accident $250,000 $500,000
                  Property Damage Limit Each Accident $100,000
                  No-Fault Coverage
                  Comprehensive Coverage
                  Collision Coverage - $1,000 Deductible
                  *Uninsured Motor Vehicle Coverage (Stacking) Bodily Injury Limits Each Person, Each Accident $250,000 $500,000 ONLY ON LEXUS WHICH COVERS ALL CARS.

                  We have 2 homes insured with different agents and companies. I am required to have at least $300k liability on homes to keep the $1mil umbrella policy.

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                  • #10
                    We have Good Sam (and live in Ohio). When we got our RV insurance back in 2018 it was $543 with a $250 deductible. Since then our insurance increased 21% in 2019 and 13% this year. When we contacted Good Sam, they said it was because of rate revisions for Ohio residents. Needless to say we are shopping for insurance. (we have a 2018 Reflection fifth wheel)

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                    • #11
                      We are picking up our new trailer next week so went with our current company for now. At this point I just don't have time to shop before then. But I do plan to try to shop around as well.

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                      • #12
                        Michigan Auto insurance is legalized robbery but for my Imagine, its around $240.00 and is bundled with my Auto Insurance. We do not pack anything inside that would be considered excessively valuable so additional converge was not needed.

                        Jim
                        2017 Imagine 2600RB
                        2015 GMC Sierra 4x4

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                        • #13
                          Check for TOTAL LOSS REPLACEMENT COVERAGE. Many "typical" agents depreciate the value of your camper over the years. I have experience with a policy which offers TOTAL REPLACEMENT COST within the first 5 years, and then PURCHASE PRICE after 5 years.
                          Scott M. Barlag, RV Product Specialist, Camp-Land RV, Burns Harbor, IN

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