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Old 06-11-2010, 08:49 AM   #1
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New Trailer Insurance Help!

I am picking up a 1965 Sovereign from Indio this weekend. It will be the first time pulling it. My question, is the insurance on my tow vehicle enough til I get it home or do I need a policy in force to cover the rig? I have gotten preliminary quotes from Formost. Any advice would be great.
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Old 06-11-2010, 08:54 AM   #2
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The insurance on your TV should cover you for any liabilty issues you may have (and let's hope you have none). If you should damage the trailer, that's another story...
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Old 06-11-2010, 09:01 AM   #3
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Insure it! I did mine over the phone with my agent and gave them the vin and emailed pictures. Better safe than sorry.
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Old 06-11-2010, 09:22 AM   #4
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Thanks guys I will call the insurance guy when I get back from the gym.
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Old 06-11-2010, 09:39 AM   #5
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I just insured my 72 Argosy with Progressive. Their rates are so good, I'm going to drop the National Interstate policy I have on the Base Camp and insure that with them as well.
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Old 06-11-2010, 11:22 AM   #6
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I picked up an "agreed upon value" policy with Progressive... did everything via the Internet.
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Old 06-11-2010, 11:37 AM   #7
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We just moved to Progressive because our AAA agent suggested it. She said they are well know for their "agreed upon value" policies. We changed from Allstate that is not "agree upon value".

Enjoy the trailer!
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Old 06-11-2010, 05:02 PM   #8
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I checked out Progressive looked good. Are all the policy's agreed value or must you specify?
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Old 06-11-2010, 06:00 PM   #9
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I'm in the same boat, I'm trying to get insurnace on my AS for an agreed upon value. I just got off the phone with Progressive. They are no longer writing agreed upon policies for trailers older than 4 years old. After the trailer is 4 years old, then they go off of the book value.

I don't think that the information that I was given sounded quite right, but the girl I talked to did consult with her supervisor while I was on the call, and change some of her information (originally she told me that after a trailer is 4 years old it would need an appraisal to qualify for an agreed upon policy). The supervisor was the one who corrected her and said that they no longer write agreed upon policies for RVs over 4 years old. None of it seemed to make a lot of sense to be quite honest.

I specifically made the comment that existing AS customers will stay with them, but that I guess they will not be getting any new AS customers with this policy change, and she said these changes will also effect existing customer's policies. I hope that is not the case for everyone happy with Progressive, but if are with them it may be worth a phone call to make sure these changes don't or won't effect you.

I have a local insurance company investigating Hagerty Insurance for me. While I was on the phone with Progressive, they actually mentioned/recommended Hagerty as well. Anyone have experience with Hagerty Insurance? Supposably they write a lot of classic car types of policies.

Thanks,
Eric
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Old 06-11-2010, 06:02 PM   #10
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Call AAA they can help you!
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Old 06-11-2010, 06:14 PM   #11
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Quote:
Originally Posted by Emerson77 View Post
I'm in the same boat, I'm trying to get insurnace on my AS for an agreed upon value. I just got off the phone with Progressive. They are no longer writing agreed upon policies for trailers older than 4 years old. After the trailer is 4 years old, then they go off of the book value.

I don't think that the information that I was given sounded quite right, but the girl I talked to did consult with her supervisor while I was on the call, and change some of her information (originally she told me that after a trailer is 4 years old it would need an appraisal to qualify for an agreed upon policy). The supervisor was the one who corrected her and said that they no longer write agreed upon policies for RVs over 4 years old. None of it seemed to make a lot of sense to be quite honest.

I specifically made the comment that existing AS customers will stay with them, but that I guess they will not be getting any new AS customers with this policy change, and she said these changes will also effect existing customer's policies. I hope that is not the case for everyone happy with Progressive, but if are with them it may be worth a phone call to make sure these changes don't or won't effect you.

I have a local insurance company investigating Hagerty Insurance for me. While I was on the phone with Progressive, they actually mentioned/recommended Hagerty as well. Anyone have experience with Hagerty Insurance? Supposably they write a lot of classic car types of policies.

Thanks,
Eric
That's odd... I got my policy just this morning as an "agreed upon value" for a 38 year old trailer. Maybe it was because I didn't blow the value out of proportion - I put down 15K, which is what I figured we have in it in total. I did it on the web - no problem. I've never seen a "blue book" for RV values.
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Old 06-11-2010, 06:58 PM   #12
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I also got a quote from Formost Insurance (part of Farmers) has anyone delt with them?
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Old 06-11-2010, 08:43 PM   #13
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Quote:
Originally Posted by bobfowler View Post
That's odd... I got my policy just this morning as an "agreed upon value" for a 38 year old trailer. Maybe it was because I didn't blow the value out of proportion.
Bob- I was asking for at least 10-12K for our '75 Tradewind that I've put 3-4K into (axles, tires, PEX, HWH, etc.) since we bought it last August, it has also been garage kept for 35 years and is in incredible condition. So no I was not blowing the value out of proportion. I could have gotten online and tried to get a quote, but I didn't trust doing that since I've been reading about Progressive recently changing their policies.

Quote:
Originally Posted by bobfowler View Post
I've never seen a "blue book" for RV values.
NADA posts RV values for 35 years, mine is worth $1,400! Next year it won't even be listed.

Here is the link if you're interested...
RV Travel Trailers Fifth Wheels | "A" prices, specs and options at NADAguides.com

Thanks,
Eric
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Old 06-11-2010, 08:54 PM   #14
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Quote:
Originally Posted by Emerson77 View Post
Bob- I was asking for at least 10-12K for our '75 Tradewind that I've put 3-4K into (axles, tires, PEX, HWH, etc.) since we bought it last August, it has also been garage kept for 35 years and is in incredible condition. So no I was not blowing the value out of proportion. I could have gotten online and tried to get a quote, but I didn't trust doing that since I've been reading about Progressive recently changing their policies.

NADA posts RV values for 35 years, mine is worth $1,400! Next year it won't even be listed.

Here is the link if you're interested...
RV Travel Trailers Fifth Wheels | "A" prices, specs and options at NADAguides.com

Thanks,
Eric
Eric, please don't take my comment the wrong way, I didn't mean to imply you inflated the value of your rig. All I meant was that I didn't list an outrageous value (i.e. $50K for a 38 year old Argosy).

Thanks though, for the link to the NADA guide. I didn't think they had them for trailers.
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