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Old 07-17-2004, 10:38 PM   #15
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For about $20 every 6 months Farmers added our Airstream to our car insurance policy. It includes liability, collision, and comprehensive. Of course it has the same deductable as our car insurance, and payout on a totaled unit would be based on depreciated value. From statements earlier in this thread this has saved us $1500-$2000 in premiums for the first 2 years, which is a good start to cover a possible future incident.
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Old 07-19-2004, 08:15 AM   #16
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I guess the question is whether the comprehensive covers the trailer when you aren't towing? Many of these low cost alternatives don't cover the trailer when it is parked unhitched.

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Old 07-19-2004, 08:18 AM   #17
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My agent assures me that the trailer is covered when parked. If anyone else has Farmers Insurance for their cars, please call your agent and see what they say... to verify.
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Old 07-19-2004, 08:21 AM   #18
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That's true Jack, but if you have that emergency fund set up and something should happen you would have the money to make the repairs or replace the unit if necessary.
I know that it seems a bit risky, but I guess it's all in how you look at it. When you pay the insurance company you're betting that something will happen and they will have to pay you, and they are betting the other way. I just like the idea of betting against myself because then I really don't loose.
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Old 07-19-2004, 10:25 AM   #19
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Quote:
Originally Posted by JohnG
That's true Jack, but if you have that emergency fund set up and something should happen you would have the money to make the repairs or replace the unit if necessary.
I know that it seems a bit risky, but I guess it's all in how you look at it. When you pay the insurance company you're betting that something will happen and they will have to pay you, and they are betting the other way. I just like the idea of betting against myself because then I really don't loose.
John, I would agree with you. The bet in many cases is when the payout comes, if your escrow that you set up is large enough to cover the damage. It's those early years when the trailer is worth a lot that the escrow wouldn't cover.

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Old 07-19-2004, 07:01 PM   #20
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Look at a real life insurance hassle that happened to us. On our first trip someone bashed in the AS. It was a hit and run and whoever did it got away. The insurance company paid about $ 1,500.00 and we paid the $ 500.00 deductible. My annual policy was also $ 500.00 a year so technically we shelled out $ 1,000.00. Now the dealer did such a lousy job, actually put additional dents, drill marks and a nasty scratch. The dealer denied he was responsible for the damage but the second insurance adjuster which we dragged along for the dispute proved ( without doubt ) that the dealer was at fault. We voted a NO CONFIDENCE in the dealer. The dealer under pressure agreed to furnish a new panel, rivets and other material, so we could redo the job ourselves, which we did. We pointed out to the insurance agent that we were charged for 53 rivets that weren’t even used and other miscellaneous incidentals, the agent replied “We get screwed all the time”. What we learned was, it cost us well over $1,000.00 in money, time and that the insurance companies don’t care about us, unless you apply pressure on them to perform their fiduciary duties. There are good companies out their and perhaps we just got two lazy adjusters. Just our lesson. Never Again!
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