Sluggo54
Madison, SD
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Joined: 03/10/2006
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My personal recommendation is National Interstate. Poliseek is the agent I used. I have had no claims, so can't comment on that, but the policy as written was just what I wanted - replacement first five years, purchase price after that, good liability limits, everything needed. I shopped extensively, and while there was one outlier, most came in in the same ballpark. I did find that the insurance company with which I had had my house, multiple vehicles, and business insurance for nearly 30 years - I think the nation's largest company - was NOT interested. I won't quote rates; it would be meaningless as we are in different parts of the country and have different "stuff".
800-449-8943
http://www.poliseek.com/travel-trailer-insurance
Sluggo
DH = Bruce, DW = PK, DD = Maggie (Lab, Pointer, Viszla)RIP 4/13/2007
Apprentice Princess = Kaia Grace (Blue Heeler - Wire Haired Terriorist) Thanks, New Nodaway Humane Society, Maryville, MO!
TV = 2005 Chev CC LWB Max & Allie
5'er = 2005 Excel R30CKW
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Sooner Schooner
On a Roll
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Joined: 05/07/2007
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WTTCS wrote:My question would be who cover the next person who falls in your trl or on your site and sues you?
I have seen that question so often on this forum, and I think that is so ridiculous! People fall EVERYDAY...to be liable for something you have to be negligent. WTTCS, if I fall walking by your site (that you do not own)...how are you liable? If I am clumsy...and I am...and fall on my own..you are NOT liable.
2006 32' Keystone Everest
2001 Ford F-250 Super Duty 7.3 Power Stroke Diesel
1971 Camaro in storage
Keep A Light On, We're On Our Way
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Sooner Schooner
On a Roll
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Joined: 05/07/2007
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Les Curren wrote:As I stated we are not full timers. My wife lives in the fifth wheel for six months out of the year. I don't live there at all, I only visit at Christmas for a week. We have stock to care for and I can't be spending my winters in Arizona. Not that I would even if I could. I enjoy the winter months up north. The wifes lungs are shot she cannot take the cold and dampness of winter up north anymore.
Now, as for not telling the insurance people that my wife will be living in the fifth wheel during the winter, I don't consider that a good idea. If a person had a claim than the adjuster discovered that the fifth wheel was being lived in they could just deny the claim on the grounds of fraud, and be justified.
One of the questions to get insurance is the vehicles license number.
Since the fifth wheel lives in Arizona permanent it is required to be licensed in Arizona and insurance people are not stupid. They will know it is a snowbird fifth wheel.
All I really need is liability insurance. The campgrounds put these rigs so close that if one caught fire it probably would set off the adjoining rigs as well. I can suffer the loss of my own fifth wheel but I may get bankrupth if the fire spread to half a dozen other rigs.
As for just listing all the insurance companies in the phone book, sorry, but that is not what I was hoping to get here. I hoped to get personal recommendations. Anybody can look in the phone book, even me. Thats how I got all the rejections.
But thanks for trying anyway.
I really have a hard time understanding why you are having a problem. There are probably a million+ out here with insurance on our rigs. The RV is meant to be occupied, so why is there a problem with how long you are in it? You do what feels right for you, I would never advocate fraud of any type, but I would call my favorite company and get a quote. Don't volunteer any information, but answer truthfully what they ask. After all, most companies WANT business.
* This post was
edited 10/07/09 08:52am by Sooner Schooner *
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Les Curren
U.S.A.
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Joined: 07/07/2001
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OK, not much of what was being said here made sense to me so I began looking into possibilites by way of my insurance commissioners office.
It seems all insurance companies must file records and intentions with the state and these papers are open to the public.
My insurance company says in these papers that an addendum must be offered if applied for by a policy holder of a home owners policy.
In effect this clause will be added to the current policy. That the trailer or fifth wheel while parked shell be declared a secondary residense and be covered by the primary residense policy in every way that the primary residense is covered. Up to the limits of the policy.
When I brought this to the attention of the underwriters they said they would attach a clause to my home owners policy and bill me at a rate of and additional $10 per year. In addition the trailer while being towed by a properly insured vehicle will be covered by that vehicle's insurance.
Now, not all states require insurance companies to post there intentions and not all insurance companies will offer these benefits, but it looks to me that it is certainly worth looking into.
But don't just take the word of the customer service person who says "how can I help you?" They will sometimes give you false information and not offer solutions that are to your benefit.
Remember, they are insurance companies, not beneficial associations.
So do your homework and prepare for battle!
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alfredmay
West Milford, NJ / Donna, TX
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Joined: 05/18/2002
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Les,
My agent (for State Farm) told me exactly what you stated. However, both he and I assumed that my limits would be what was on my home. We assumed incorrectly. A number of years later a tree fell on my RV. Hidden in the fine print of my policy was a statement that stated maximum dollar amount for an RV claim. Needless to say, it was not nearly enough to cover my loss.
Be careful here. Getting coverage for $10 a year sounds too good to be true. Usually when things are too good to be true......... they are not what you had hoped they would be.
I now have a full, separate policy on my RV that runs about $140 a year.
Alfred May
2005 Excursion V10 4.30 4x4
2002 Cedar Creek 30RBS TT by Forest River
Reese Dual Cam
Tekonsha Prodigy
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Les Curren
U.S.A.
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Joined: 07/07/2001
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Al,
That story does not surprise me in the least. With my personal experience while dealing with State Farm I have come to know that some of their agents are less than honest.
My bet is your agent checked with his underwriter and knew all along that there were holes in the fine print. Remember agents don't work for you they work for the insurance company and are paid by the insurance company.
Many years ago a woman took a left turn at a four lane intersection and cut across in front of me but to close. I was sitting at the red light in the inside lane and she raked the drivers side of her car across the front of mine. She admited fault and apoligized and gave me her insurance info. This happened very early in the morning and I thought there were no witness's, but it turned out there was and off duty police officer from another town who seen the accident and reported it to Seattle police. The womans State farm agent convinced her to say I had pulled out and hit her. It went to court and the surprise witness showed up and the judge listened very intently to his testimony and questioned the woman and she told the truth and also said her agent had threatend to cancel her policy if she admitted fault. Yeah I know about State Farm and some of their agents.
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