[ChevyFan]

Now that we're buying a RV, just wondering what type of RV insurance do you have for your trailer? Just starting to look into this before we take possession.

 

[nolivi]

I'm interested too, I just bought a used 31' Springdale!

 

[MrShorty]

Our trailers have always been smaller, older tent trailers. The cost of insuring the trailers has not been a lot, but it still seems like more than is needed, or would ever recover in an accident/loss. So, we have generally not insured our trailers.

For those of you buying bigger, newer trailers, there may be more value to having them insured.

 

[Pikey]

I know that in Michigan as long as the trailer is connected to the vehicle it is covered under the vehicles insurance. I discovered this when I went to get boat insurance. The insurance company said that if I were towing it and something happened then the auto insurance took care of it. But as soon as the boat came off of the trailer or the trailer was disconnected from the truck then it was no longer covered

 

[nolivi]

Thanks Pikey, that is good to know. I am going to have to check that out.

 

[xPosTech]

I know that in Michigan as long as the trailer is connected to the vehicle it is covered under the vehicles insurance. I discovered this when I went to get boat insurance. The insurance company said that if I were towing it and something happened then the auto insurance took care of it. But as soon as the boat came off of the trailer or the trailer was disconnected from the truck then it was no longer covered

So double check those chains. Don't disconnect the trailer while en route.

Ted

 

[1ATony]

I just bought a 33' Heartland Trail Runner camper, put full coverage on it from a local agency, it was around $350.00 It's a brand new trailer, so wanted to make sure it was covered in case something happened.

 

[Crawdaddy]

You also need to consider what type of coverage you're looking for. If you want insurance that will replace appliances that failed (and cost a ton of money!) then you'll probably want to go with a camper-oriented insurer like Good Sams or the like. I have full coverage insurance on my camper through my car insurance people, but I'm pretty certain it doesn't cover appliances. I took it out just in case something horrible happens while I'm towing or some other unspeakable horror.

 

[98BIGBLOCKBURB]

I have Good Sam and love it. We can turn off the collision when its parked in the back yard and its only covered for stuff like the trees/fire/theft and then when I hook up to go i just call them and say turn on the full coverage and that way I'm covered if i run off the road. or whatever. Liability is on the tow vehicle. It does not cover appliance failure, that is a different type of policy.