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Old 01-24-2016, 05:53 PM   #1
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Charlottesville , Virginia
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Insurance without a truck - Is it possible?

I'm having an issue insuring a 1962 Globetrotter and could use a bit of advice.

We bought the airstream with the intention of turning it into a mobile art studio/community engagement space that will pair a local artist with residents to create art all around the city. Though, I'm having trouble getting the trailer insured.

The organization does not own a truck to pull the trailer. I was going to borrow one from a supporter when we needed it. As I understand it, when the airstream is being towed it takes on the insurance of the truck.

I also want to get some insurance to cover liability and any damage that might happen when it is around the city.

Thus far I've gone to two insurers around town and they say they cannot insure the trailer without an accompanying vehicle.

Any advice or experience would be massively appreciated.
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Old 01-24-2016, 05:59 PM   #2
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You will need to approach an RV insurer. P&C company's do not generally insure without a vehicle. You will want an "agreed value" policy, not a "stated value". Hope this helps.


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Old 01-24-2016, 06:01 PM   #3
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I think they're just trying to get more business. Our other vehicles are all insured through USAA and we had no trouble getting our Airstream insured by another carrier. Try Allied.
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Old 01-24-2016, 06:19 PM   #4
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Call FCIS at 800-331-1520 or go to www.rvadvantge.com. They have treated us well.
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Old 01-25-2016, 12:26 AM   #5
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Progressive insured my trailer when I had no vehicles insured with them.
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Old 01-25-2016, 02:36 AM   #6
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Hi, sounds like you need to contact an insurance company that handles commercial vehicles; Sounds like a business to me.
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Old 01-25-2016, 12:29 PM   #7
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I have insurance for Liability and Physical damage this is very expensive $1200+ per year. The insurance on the trailer when hitched to the car does not include liability if the tv is not in an accident.I think that the damage to the tv would not be covered since the trailer is triple the cost of my TV. But my insurance is like a Home Owners policy and covers everything when parked. I am dealing with Allied (Nationwide) Company. No problems getting it. Because you are running a business out of the trailer you will probably need to get a commercial insurance policy which may be a whole lot more difficult. If the trailer is used for transportation and no customers are allowed inside you might get away with a consumer policy.

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Old 01-25-2016, 01:57 PM   #8
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You need to look for an insurance company that specializes in RVs. You will get a better deal and they understand the RV life style. If I were to insure my trailer through my automotive insurance carrier it would cast me at least 50% more.

The point about business insurance is more of an issue for you because of the increased liability. You might be better with two separate insurance policies.
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Old 01-25-2016, 02:38 PM   #9
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Progressive Insurance

I concur with CRH. Even though I can't stand "Flo" and those Progressive Insurance ads on T.V., my girlfriend was able to get full replacement insurance for her 22'FB Bambi Sport. I own the tow vehicle and she owns the travel trailer...neither of us has any other insurance with Progressive.
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Old 01-25-2016, 04:42 PM   #10
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Old 01-25-2016, 05:11 PM   #11
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Quote:
Originally Posted by bridgepai View Post
I'm having an issue insuring a 1962 Globetrotter and could use a bit of advice.

We bought the airstream with the intention of turning it into a mobile art studio/community engagement space that will pair a local artist with residents to create art all around the city. Though, I'm having trouble getting the trailer insured.

The organization does not own a truck to pull the trailer. I was going to borrow one from a supporter when we needed it. As I understand it, when the airstream is being towed it takes on the insurance of the truck.

I also want to get some insurance to cover liability and any damage that might happen when it is around the city.

Thus far I've gone to two insurers around town and they say they cannot insure the trailer without an accompanying vehicle.

Any advice or experience would be massively appreciated.

I believe where I live, it is correct that the trailer is insured by the tow vehicle's insurance, but that is only from the standpoint of liability - not for collision coverage, fire, theft etc. you need to buy that insurance separately and I don't think it has any relation to a particular vehicle. I don't think I have ever been asked whatI tow with.


An interesting point - that is not relevant to my own situation, but could be for some others, is whether the vehicle insurance would still provide liability coverage for the trailer if, after an accident, the trailer being towed was found to significantly exceeded the tow vehicle manufacturer's rated towing capacity.

Most likely folks who do use such tow vehicles would have looked into this and perhaps there is no issue with it at all.

I would certainly want to verify that with my insurance company if ever contemplating venturing into that territory. I would not rely on someone else's opinion in that regard unless they agreed to foot the bill for any successful claim on me!

Brian.
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Old 01-25-2016, 05:56 PM   #12
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Before we put everything under USAA I had the trailer with Shelter Insurance. They never asked what I was towing with and USAA did not ask, either. this was in Colorado and the rules may be different in Virginia. I would agree that this may require commercial insurance. Good Luck.
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Old 01-25-2016, 06:32 PM   #13
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I have my 23FB insured with USAA. They never asked about a tow vehicle.
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Old 01-25-2016, 06:50 PM   #14
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I would check with Progressive for the trailer insurance. Our trailer is insured with Progressive and our house and cars/trucks are insured with another carrier.

We put the trailer with Progressive because they offered a "stated value" policy while our regular carrier would not do this.
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