Reply
 
Thread Tools Search this Thread Display Modes
 
Old 10-10-2009, 10:41 PM   #1
3 Rivet Member
 
Smoky's Avatar
 
Vintage Kin Owner
Eau Claire , Wisconsin
Join Date: Sep 2007
Posts: 125
Images: 8
Is trailer insurance even worth it?

Keeping in mind I only paid $2700 for my 1961 Avion but have made many improvements bringing the total value to about 5k in my opinion. I'm not naive enough to think a stated value in going to cover me if a claim occurs. So in my case to insure my 1961 avion I need an appraisal. This seems reasonable however I don't have the time or inclination to try to get a accurate appraisal. Even if I find an appraiser I doubt they would have any knowledge about the value of a vintage trailer. So my question comes down to this. Does anyone know of an insurance company that will take actual receipts instead of an appraisal? Why can't I give them a bill of sale, receipts for new appliances I installed like air conditioner, fridge, water heater. I could send images as well. Wouldn't this be a fair way to establish value?

In other words I don't want to buy insurance at a stated value and then during a claim have very little means to establish actual value. At this point I'm leaning for the no trailer insurance option. My truck insurance will handle liability while traveling. Don't get me wrong, I would love to have trailer insurance but the uncertainty on the fair valuation of my trailer and its contents along with steep deductibles almost isn't worth it in my case.

Is there insurance I can get just for personal items in my trailer?
__________________

__________________
1961 Avion T-27


Smoky is offline   Reply With Quote
Old 10-10-2009, 10:48 PM   #2
Rivet Master
Airstream Dealer
 
Inland RV Center, In's Avatar
 
Corona , California
Join Date: Feb 2002
Posts: 16,499
Images: 1
Quote:
Originally Posted by Smoky View Post
Keeping in mind I only paid $2700 for my 1961 Avion but have made many improvements bringing the total value to about 5k in my opinion.
I'm not naive enough to think a stated value in going to cover me if a claim occurs. So in my case to insure my 1961 avion I need an appraisal.
This seems reasonable however I don't have the time or inclination to try to get a accurate appraisal. Even if I find an appraiser I doubt they would have any knowledge about the value of a vintage trailer. So my question comes down to this. Does anyone know of an insurance company that will take actual receipts instead of any appraisal? Why can't I give them a bill of sale, receipts for new appliances I installed like air conditioner, fridge, water heater. I could send images as well. Wouldn't this be a fair way to establish value?

In other words I don't want to buy insurance at an stated value and then during a claim have very little means to establish actual value. At this point I'm leaning for the no trailer insurance option. My truck insurance will handle liability while traveling. Don't get me wrong, I would love to have trailer insurance but I don't like dealing with loan sharks and even the deductable on personal items almost isn't worth it.

Is there insurance I can get just for personal items in my trailer?
Property insurance of any kind, has one purpose.

It covers what you cannot afford to lose. If you can afford the financial loss of something, without too much of a hurt, then insurance is a waste of money.

Your personal effects may be covered by your homowners insurance policy. Check with your agent.

Andy
__________________

__________________
Inland RV Center, In is offline   Reply With Quote
Old 10-10-2009, 11:22 PM   #3
_
 
. , .
Join Date: Dec 2004
Posts: 8,812
Quote:
Originally Posted by Smoky View Post
... Is there insurance I can get ...
naturally the answer is yes.

shop like YOU mean it.
___________________

a travel trailer isn't just property and the t.v. insurance does NOT cover every issue related to disaster or liability...

for example,

--you just parked for a few days of quiet camping...

--unhooked and jacked and plugged into juice and water...

--while at the pay station your trailer rolls down a hill (unhitched)...

1. it pulls the wiring OUT of the post starting a fire at the site,

2. which quickly burns UP the trailers parked on either side...

3. and the tow vehicles

4. and the harley in your neighbors truck bed.

5. the water hose finally rips loose, but not b4 tripping the famous dancer camped next 2 ya and breaking both legs...

6. the ROLLING trailer gains speed and plows over 2 tents, killing the occupants and ruining their dinner.

7. now the trailer is OUT of the park and sliding down the highway...

8. toward a group of children taking a nap outside a school...

9. for the blind.
_____________________

like a HOUSE, rv policies can and should include liability coverage for humans that might visit you.

and unless YOU have READ the t.v. policy and ASKED QUESTIONS...

i'd wager there are MANY things not covered while towing.

of course YOU might have a 1-2 mil umbrella policy for personal liability and to protect assests...

but given u r here asking THIS question, that's not likely.
_____________________

agreed value insurance is EASY to obtain, basically like old/collectible car insurance for the VALUE of the nuts/bolts and upgrades...

the process of reaching that 'agreed value' varies by company, but isn't difficult will all insurance writers.

personal property INSIDE is typically covered up to a limit like 5k$ or 10k$...

and can be INCREASED to cover your rare velvet elvis collection of artwork...

and YOU DO WANT coverage if someone gets SICK...

eating that fried banana and peanut butter sandwich you just made them...
______________________

many threads on this topic, free for the reading...

http://www.airforums.com/forums/f351...nce-50650.html

http://www.airforums.com/forums/f351...ory-43747.html

http://www.airforums.com/forums/f351...arm-10176.html

http://www.airforums.com/forums/f161...nce-31909.html

http://www.airforums.com/forums/f351...lue-25493.html

http://www.airforums.com/forums/f161...ice-25186.html

read those AND the links inside.

oh wait, never mind it's an avion....

nothing dangerous EVER happens to those units.

cheers
2air'
__________________
all of the true things that i am about to tell you are shameless lies. l.b.j.

we are here on earth to fart around. don't let anybody tell you any different. k.v.
2airishuman is offline   Reply With Quote
Old 10-10-2009, 11:26 PM   #4
Rivet Master
 
wkerfoot's Avatar
 
1979 23' Safari
1954 29' Liner
Orange , California
Join Date: Feb 2005
Posts: 3,667
If you want an appraisal for the value of your vintage trailer, I know of two appraisers for vintage trailers and there are probably several more.

Both of them are Airstream owners, but then this is an Airstream list.

Bill
__________________
Bill Kerfoot, WBCCI/VAC/CAC/El Camino Real Unit #5223
Just my personal opinion
1973 Dodge W200 PowerWagon, 1977 Lincoln Continental, 2014 Dodge Durango
1979 23' Safari, and 1954 29' Double Door Liner Orange, CA

http://billbethsblog.blogspot.com/
wkerfoot is offline   Reply With Quote
Old 10-11-2009, 12:23 AM   #5
Rivet Master
 
Soyboy's Avatar

 
1999 28' Excella
Frederick , Maryland
Join Date: Mar 2004
Posts: 662
Images: 41
A bit off topic.....I carry it under my auto policy it was not very expensive to add it and it has good coverage (I went around the horn about it with my agent....no policy will protect you against everything). Of course I think everyone that owns property should carry an umbrella liability policy. They are VERY cheap compared to the coverage they can provide in nasty situations. JMHO
__________________
1999 28' Safari
2012 F150 Platinum Max Tow 7650 GVWR 3.73 Elec. Locking Diff.(Prev 2003 Dmax).
Honda EU2000i, Equalizer Hitch
AM Solar Panels 150W - 2 Trojan T 105 6V Batteries
TAC MD-6
AIR 4534

On internet forums, please research and separate the wheat from the chaff (including mine!)
Soyboy is offline   Reply With Quote
Old 10-11-2009, 01:00 AM   #6
Rivet Master
 
2005 22' Safari
Gresham , Oregon
Join Date: May 2009
Posts: 621
Make sure that if you want coverage for the trailer /not jut liability/ you have some policy for the trailer. In most cases liability coverage extends from the tow vehicle to the trailer/ There would not be any insurance for the trailer itself.
__________________
sempi2 is offline   Reply With Quote
Old 10-11-2009, 07:36 AM   #7
Rivet Master
 
ZoominC6's Avatar
 
2004 30' Classic Slideout
Colleyville , Texas
Join Date: May 2005
Posts: 1,502
I'm in agreement with Soyboy. Adding the trailer to your auto policy is relatively inexpensive and if you have any net worth at all you should consider an umbrella policy to at least cover your net worth. It's cheap and in this society it's worth every penny. Check with your agent.
__________________
In dog years, I'm dead!
ZoominC6 is offline   Reply With Quote
Old 10-11-2009, 07:39 AM   #8
Rivet Master
 
1976 25' Caravanner
Vintage Kin Owner
Campton , New Hampshire
Join Date: Feb 2006
Posts: 1,113
Quote:
Originally Posted by sempi2 View Post
Make sure that if you want coverage for the trailer /not jut liability/ you have some policy for the trailer. In most cases liability coverage extends from the tow vehicle to the trailer/ There would not be any insurance for the trailer itself.
To add to the above , HO policies do not cover damage to registered vehicles. You may also want to consider the replacement cost rather than what you have into it.
__________________
ticki2 is offline   Reply With Quote
Old 10-11-2009, 08:02 AM   #9
Moderator
 
moosetags's Avatar

 
2015 25' FB Flying Cloud
2012 23' FB Flying Cloud
2005 25' Safari
Santa Rosa Beach , Florida
Join Date: Jul 2006
Posts: 10,764
Images: 5
Greetings from the Florida Panhandle

I have had antique cars since high school, and have found that they are more easily insured for true value than are new vehicle. I have four antique vehicles with two different companies. Both of these companies specialize in vintage vehicle and boat insurance. I have had claims with both companies over the years. These claims were handles very quickly and to may satisfaction.

I don't know if they insure vintage trailers, but you might want to give then a try.

They are:

Haggerty Insurance in Traverse City, Michigan

JC Taylor Antique Auto Insurance in Upper Darby, Pennsylvania

They both have websites.

Brian
__________________
SuEllyn & Brian McCabe
WBCCI #3628 -- AIR #14872 -- TAC #FL-7
2015 FC 25' FB (Lucy) with HAHA
2005 Suburban 2500 Quadrasteer (Olivia) & 2018 Silverado 2500 (Lillian)
moosetags is offline   Reply With Quote
Old 10-11-2009, 08:43 AM   #10
Rivet Master
 
Mikethefixit's Avatar
 
1977 27' Overlander
Trotwood , Ohio
Join Date: Jul 2007
Posts: 2,153
Send a message via Yahoo to Mikethefixit
Our Trailer is Covered while towing and parked by the same co that carrys my Auto and Home Owners.
When I added it to the policy,I gained a unit discount,which actually lowered the premium on the whole policy.
I am also insured with a Michigan Co That being
AUTO OWNERS of Lansing,Mich
We have an Agreed Value on the Airstream.
__________________
Roger & MaryLou
___________________
F350 CREWCAB SW LONG BED
7.3 liter Power Stroke Diesel
1977 27ft OVERLANDER
KA8LMQ
AIR # 22336 TAC- OH-7
May your roads be straight and smooth and may you always have a tailwind!
Mikethefixit is offline   Reply With Quote
Old 10-28-2009, 05:36 PM   #11
Rivet Master
 
adonh's Avatar

 
1976 31' Sovereign
Missouri City , Texas
Join Date: Mar 2007
Posts: 1,233
Images: 1
Blog Entries: 6
Agreed Value

I saw and add in the latest Blue Beret for farm & City Insurance services for their RV insurance. I went to their web site RV Advantage | FCIS Insurance - RV Insurance, Motor Home Insurance, Travel Trailer Insurance and requested an "agreed value" quote for my 1976 31' sovereign. They have now sent me a quote which looks reasonable on the value that I requested. I still have some questions and will need to look at the policy provisions but was wondering if anyone has any information on these guys and their Vintage RV insurance coverage.

Thanks

Don
__________________
adonh is offline   Reply With Quote
Old 10-28-2009, 05:59 PM   #12
3 Rivet Member
 
tallytwo1994's Avatar
 
Currently Looking...
tallahassee , Florida
Join Date: Sep 2008
Posts: 228
Quote:
Originally Posted by moosetags View Post
I don't know if they insure vintage trailers, but you might want to give then a try.

They are:

Haggerty Insurance in Traverse City, Michigan

JC Taylor Antique Auto Insurance in Upper Darby, Pennsylvania

They both have websites.

Brian
I know of people who have insurance on vintage trailers with Haggerty, but they also have antique cars on the policy.

Progressive Insurance has provided very reasonable coverage for vintage trailers also.

It always helps lower the price if you have additional policies.

Carol
__________________
tallytwo1994 is offline   Reply With Quote
Old 10-28-2009, 07:37 PM   #13
3 Rivet Member
 
Catman6's Avatar
 
1986 Argosy
Denver , Pennsylvania
Join Date: Oct 2009
Posts: 100
Quote:
Originally Posted by moosetags View Post
Haggerty Insurance in Traverse City, Michigan
I've used Haggerty for my Classic cars in the past. They were easy to deal with and very reasonable on price.
__________________
Catman6 is offline   Reply With Quote
Old 10-28-2009, 07:46 PM   #14
Rivet Master
 
garry's Avatar
 
1969 31' Sovereign
Broken Arrow , Oklahoma
Join Date: Jan 2003
Posts: 1,362
Images: 7
I think I paid $91 yr and when some thief damaged the door & destroyed the door lock the estimate was around $2500 for door & lock. Insurance paid no question asked about the value of a 30 yr old trailer. I think it was Nationwide.

Risk management is a subjective call you just never know what's going to happen down the road but for $91 it was a no brainer for me.
__________________

__________________
Garry
garry is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Vintage Trailer Insurance Stougard Insurance & Claims 63 12-02-2017 05:23 PM
Mex/Baja Auto/Trailer Insurance in Mexico rmmm68 Boondocking 11 06-03-2009 09:05 AM
Save your Trailer...a product worth looking into. ROBERT CROSS Tow Vehicles 0 07-08-2008 02:47 PM
Canadian Trailer Insurance kamadeca Insurance & Claims 5 03-06-2008 07:36 PM
how to get insurance for a trailer dkutz Insurance & Claims 4 02-21-2006 05:40 PM


Virginia Campgrounds

Reviews provided by




Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -6. The time now is 05:25 PM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, Jelsoft Enterprises Ltd.

Airstream is a registered trademark of Airstream Inc. All rights reserved. Airstream trademark used under license to Social Knowledge LLC.