Thread: Insurance
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Old 05-03-2006, 05:01 AM   #5
Grouse
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Default RV Insurance

I don't know if the following will help anyone but here goes:

RV (TM) insurance is relatively inexpensive.
Liability while being towed comes from the TV
Liability while camping may come from your homeowners insurance if used as a temporary residence premises
Your TM is not covered by your homeowners insurance
Your insurance company may add the TM to your auto policy or it may choose to add it to your homeowners policy. Occasionally they will provide a separate policy.
In most cases you will want to contact your agent. Most of us will have our home/auto insurance with the same agent as most companies offer a multiple policy discount for combining the two. This is usually your best source for coverage. If not, then you will probably want to contact your auto insurer as most companies add RVs to the auto policy.
The best coverage available is from a specialty insurer such as Foremost or thru the Good Sam Club.
Which ever you choose, the agent will request the information they need. Most insurers do not distinguish between a camper (pop up), travel trailer or 5th Wheel. After all, the risk factors are about the same and it is the amount you insure it for that matters. Some companies base rates on the cost new only and other companies base rates on the actual cash value (blue book or NADA).
Confirm if items such as the awning are covered as part of the trailer or does coverage need to be added. Rare, but some companies will request that coverage be added.

Your (friendly?) camping insurance agent.
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