Insurance on R-Pod |
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rpodcamper.com
Admin Group - pHp Joined: 26 Nov 2009 Location: Reading, Pa Online Status: Offline Posts: 3990 |
Topic: Insurance on R-Pod Posted: 09 Mar 2010 at 1:36am |
Just got my renewal in the mail for another year of Insurance. Was wondering what or who others were using to insure your camper. I'm presently with State Farm Insurance and have them for most everything. Last year I did pull my Motorcycle insurance from them and went to another company. Should I be looking around or keeping my insurance all with one company? One of my worries is if my tow vehicle and r-pod are with 2 companies I will have 2 deductibles.
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Outbound
podders Helping podders - pHp Joined: 19 Nov 2009 Location: Oshawa, Ontario Online Status: Offline Posts: 767 |
Posted: 09 Mar 2010 at 12:39pm |
Here in Ontario, I bought my insurance through Aviva (their Elite RV product). The r-pod is the first trailer that I've ever owned where I've carried extra insurance, and while calling around, I learned that not only did I know very little about trailer insurance, but many brokers also know next to nothing. I didn't even know what questions to ask. Fortunately, I have a CAA (Canadian Automobile Association) membership, and they did know the questions to ask and were happy to educate me.
In addition to what I would consider essential coverage while towing (e.g. damage to other's property if the trailer comes loose while I'm towing, repair of trailer if its rear-ended, etc), or while stored (vandalism, tree limb falling on it, fire, theft), there were three coverages which were important to me:
Our own insurance company (where our truck, car and home are insured) didn't even have these coverages available. One insurance company wanted to insure the r-pod as a house (at a premium cost) to be able to include the content insurance and personal liability. Buying RV insurance was a bit of an eye-opening experience. |
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techntrek
Admin Group - pHp Joined: 29 Jul 2009 Location: MD Online Status: Offline Posts: 9059 |
Posted: 09 Mar 2010 at 1:18pm |
Wow, good info. I need to double-check if mine covers all of that.
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Doug ~ '10 171 (2009-2015) ~ 2008 Salem ~ Pod instruction manual
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Outbound
podders Helping podders - pHp Joined: 19 Nov 2009 Location: Oshawa, Ontario Online Status: Offline Posts: 767 |
Posted: 09 Mar 2010 at 3:37pm |
To be honest,
But, the insurance coverage was only $60 more than the cheapest, basic coverage that I found (which was from my own insurance company) - and I think that its well worth it. |
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rpodcamper.com
Admin Group - pHp Joined: 26 Nov 2009 Location: Reading, Pa Online Status: Offline Posts: 3990 |
Posted: 09 Mar 2010 at 8:36pm |
While calling around for insurance costs I found out Agents have no clue what a camper is. I'm doing a bunch of reading tonight to see what I should be asking.
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TIDALWAVE
Senior Member Joined: 21 Nov 2009 Location: MINNESOTA Online Status: Offline Posts: 315 |
Posted: 13 Mar 2010 at 2:17pm |
It is worth your time to use on-line insurance quotes!
I have both Progressive and State Farm insurance...My RV is insured with Progressive (State Farm was 40% more expensive), yet my R-Pod is insured with State Farm (Progressive was more than 50% higher than State Farm). Quotes from several other companies had quotes noticeably higher than either Progressive and State Farm) I have no idea why one insurance company can have rates much lower than others for a TT and then be much higher than others for an RV! |
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TIDALWAVE
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HuronSailor
podders Helping podders - pHp Joined: 10 Jun 2009 Location: Owosso MI Online Status: Offline Posts: 704 |
Posted: 13 Mar 2010 at 2:26pm |
Sometimes it depends on what that particular company's portfolio of insured vehicles, boats, or trailers consist of at the time you ask for a quote. They have armies of actuaries that figure all this stuff out, and they'll sometimes raise rates on certain things to mitigate the risk. So either they'll take in more in premiums to soften the potential payout, or by raising rates they discourage people with those types of vehicles they think they're "overexposed" in from taking insurance out in the first place.
Man, you could just about picture me with my index finger upraised while lecturing you there. Sorry about that.
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.: Mark & Beth :: Silverado 5.3L :: 2018 rPod 180 :.
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rpodcamper.com
Admin Group - pHp Joined: 26 Nov 2009 Location: Reading, Pa Online Status: Offline Posts: 3990 |
Posted: 14 Mar 2010 at 10:38pm |
OK i pulled a few quotes and it looks like for me it will be best to stay with State Farm.
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