Insurance for a Airstream

Ron C · 02-20-2005, 01:01 PM

I would like some information or suggestions on RV insurance for an Airstream. Can anyone give me an Idea of different policies, what coverage to get ver’s what’s a waste, how do rates compare with other brand TT’s. Any particulars that we should know would be appreciated.

baldeagle · 02-20-2005, 01:42 PM

Ours is insured as an additional vehicle on our automobile policy. I understand details vary by policy/insurer.

Anon · 02-20-2005, 02:13 PM

I have mine on my auto insurance as well. I do have it insured for the full value of the trailer. This is how much I have put into restoring it plus what I paid for it.
Make sure your comprehensive coverage has a high cap on it. Most things will happen when you have the trailer parked.

silver 67 · 02-20-2005, 05:38 PM

We, too, have ours on our auto policy (in fact an umbrella policy that covers everything we own). Value is based on what we paid plus what we put into it on repairs and improvements. The insurance company wanted copies of receipts and pictures.

At our last local WBCCI meeting, this exact question came up. Many of the members said that Progressive seems to have the best rates. I haven't checked because I'm happy with what we have, but that might be possibility.

With the vintage trailers nothing will really cover the costs to repair and replace, because of the scarcity and costs of parts.

Maybe we should just leave it parked in the barn, and pretend were out by the lake........nah.... what's life, if you can't take risks? Insurance agents live for that stuff...

davidz71 · 02-20-2005, 09:31 PM

I attached the Excella to my State Farm multi-car policy and it wasn't too bad. I recently bought an '86 Sovereign 25' and pick it up March 30 so I went to www.progressivedirect.com to work out a quote. I figured the trailer was worth at least $10K with Hensley Arrow hitch included but I might be off. I know I could not replace the trailer with a new Hensley for that much. Here is the online quote for my area:

Comprehensive $250 ded. $188
Collision $250 ded. $47
Additional emer. expense $5
Vacation liability $10,000 $3
Replacement cost personal effects $6,000 $51
______
$294 for 12 mos.

I did not add full-timers, roadside assistance or disappearing deductibles/scheduled medical benefits. I have not compared these figures with my current policy so the figures might increase if I increase coverage. I'd say that a $500 deductible would be even cheaper.

flamingo-kid1 · 02-20-2005, 09:45 PM

Quote:

Originally Posted by davidz71

I attached the Excella to my State Farm multi-car policy and it wasn't too bad. I recently bought an '86 Sovereign 25' and pick it up March 30 so I went to www.progressivedirect.com to work out a quote. I figured the trailer was worth at least $10K with Hensley Arrow hitch included but I might be off. I know I could not replace the trailer with a new Hensley for that much. Here is the online quote for my area:

Comprehensive $250 ded. $188
Collision $250 ded. $47
Additional emer. expense $5
Vacation liability $10,000 $3
Replacement cost personal effects $6,000 $51
______
$294 for 12 mos.

I did not add full-timers, roadside assistance or disappearing deductibles/scheduled medical benefits. I have not compared these figures with my current policy so the figures might increase if I increase coverage. I'd say that a $500 deductible would be even cheaper.

Progressive quoted you exactly TWICE as much as State Farm did us for our 1967 Ambassador, insured for 10K, minimum, trailer, hitch and contents. (on our multi-car policy)

But I know we could not replace her for that.

flamingo-kid1 · 02-20-2005, 09:47 PM

Quote:

Originally Posted by Ron C

I would like some information or suggestions on RV insurance for an Airstream. Can anyone give me an Idea of different policies, what coverage to get ver’s what’s a waste, how do rates compare with other brand TT’s. Any particulars that we should know would be appreciated.

P.s. We have a Toyota Tundra tow vehicle, also.

davidz71 · 02-20-2005, 09:51 PM

All my paperwork is out in the trailer and it is raining cats and dogs so I can't check it right now. I was thinking State Farm was like $225 for 12 months on stated value of $7600 which is less than what I have in it.

Creampuff · 02-21-2005, 01:21 AM

Quote:

Originally Posted by Ron C

I would like some information or suggestions on RV insurance for an Airstream. Can anyone give me an Idea of different policies, what coverage to get ver’s what’s a waste, how do rates compare with other brand TT’s. Any particulars that we should know would be appreciated.

There was a thread on insurance almost 2 years ago. Try the SEARCH option, but one that was highly recommended was www.foremost.com . Tel. 1-800-262-0170. It is advisable to go with a RV co. because otherwise any claim can have a dramatic effect on your auto policy

They quoted me $240 /yr for $8K coverage with $100 deductible.(in May 2003)

Another is RVInsurance .com who seem to be affiliated with GMAC finance.

6xblessd · 02-21-2005, 08:03 AM

We just went through the insurance hassle last week. The lowest rate we found was $635/year through Progressive. This insures our 2005 Safari for 50K. We had been quoted much higher through several other companies, including Foremost.

I called my local independent insurance agent and let them do the footwork for me!

**jcanavera** · 02-21-2005, 08:16 AM

One of the things to consider with either Foremost or Progessive is their road service coverage. Both companies offer service which includes tow of both the tow vehicle and trailer. That to me is an important coverage and at a much lower cost than a standalone service. I had Foremost on my Safari but changed over to Progressive due to their price, replacement coverage, and disappearing deductables.

Jack

59toaster · 02-21-2005, 01:17 PM

Really the best place to start is your insurance on cars and home. I have everything with State farm.

Nobody has been able to come in close with coverage and rate with all the discounts I get from being a long term customer, homeowners also with them and the total package.

Right now our coach if insuured for $2500 till we can get it restored. Once restored we will get it appraised and they will cover it for that. My comprehensive covers towing as well. I just submit them the copy of the bill and they send back a check.

I haven't the fogiest what we are paying. I think its something like $50 every 6 months for the current coverage.

**jcanavera** · 02-21-2005, 03:24 PM

Quote:

Originally Posted by 59toaster

My comprehensive covers towing as well. I just submit them the copy of the bill and they send back a check.

While that's fine, you still have the responsiblity of finding a provider of towing service and hoping that the guy you get has any kind of idea what he is dealing with. You deal with towing coverage from Foremost or Progressive, you are handled by a service center who will dispatch someone out to you no matter where you are at. And as I noted earlier, if your tow vehicle is disabled, I'll bet that your comprehensive won't cover the total cost of towing the disabled tow vehicle and that trailer also since it technically is not disabled. It's tough to learn these lessons on the road.

I asked these questions to my current auto insurance carrier before I decided to carry a separate policy for the trailer. Maybe State Farm is different, but just the fact of a single number to call for service, beats a cell phone calling 911 to find you a towing service.

Jack

59toaster · 02-21-2005, 06:07 PM

Quote:

Originally Posted by jcanavera

While that's fine, you still have the responsiblity of finding a provider of towing service and hoping that the guy you get has any kind of idea what he is dealing with. You deal with towing coverage from Foremost or Progressive, you are handled by a service center who will dispatch someone out to you no matter where you are at. And as I noted earlier, if your tow vehicle is disabled, I'll bet that your comprehensive won't cover the total cost of towing the disabled tow vehicle and that trailer also since it technically is not disabled. It's tough to learn these lessons on the road.

I asked these questions to my current auto insurance carrier before I decided to carry a separate policy for the trailer. Maybe State Farm is different, but just the fact of a single number to call for service, beats a cell phone calling 911 to find you a towing service.

Jack

Thats a good point. I have not asked about the towing of the coach. I'll have to check.
For my vehicle its always been callwho your comfortable with and as long as its' not some out of the norm rate per mile they will cover it in full up to some max.