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Old 03-28-2016, 02:46 PM   #1
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1975 31' Sovereign
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Insurance coverage for Airstream?

Anyone help advise me?
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Old 03-28-2016, 02:48 PM   #2
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Insurance coverage on 1975 31 ft. Airstream. Any advice?
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Old 03-28-2016, 03:27 PM   #3
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Liability exposure is covered by the insurance on your tow vehicle. Insuring the trailer for repair or replacement is covered by property insurance, which must be purchased separately from the liability coverage. I highly recommend you talk to the insurance agent handling your auto and home insurance. If you don't have an agent, get one. The major insurance companies include Allstate, State Farm, Liberty Mutual, and Farmers Insurance Group. Stay safe and happy travels!
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Old 03-28-2016, 04:12 PM   #4
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National Interstate is a major insurer of RV's, Good Sam has an Insurance program as does FMCA.
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Old 03-28-2016, 04:43 PM   #5
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We can't recommend a specific company, but I would suggest that it's worth reading the fine print on what exactly a given policy would cover if you do get into an accident or something comparable. We bought a more expensive "Cadillac" insurance policy on Bambi I, and were so glad we did after it got totalled in an accident and it turned out that our policy covered the entire cost of a *new* replacement for 2005, the date it was manufactured.

We live in Canada and I don't know if this type of policy is available in the US, but obviously a used trailer is worth a lot less than what you paid for it-- but then your replacement costs may be considerably higher.

You never think you'll need insurance till something like an accident happens, and then you don't want to learn that saving some dollars on your policy really costs a lot more when you shop for a replacement. (Penny-wise and pound-foolish or something.)
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Old 03-29-2016, 08:50 PM   #6
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Found a wonderful policy and good value with USAA


Sent from my iPad using Airstream Forums
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Old 03-29-2016, 10:01 PM   #7
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Usaa?
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Old 03-29-2016, 10:12 PM   #8
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http://www.rvadvantage.com/ They know Airstreams and if your a WBCCI member you get a 10% discount. Never had to file a claim so can't comment on that. They will also do stated value policies if you get an appraisal.

Be careful about adding your Airstream to your truck policy, many of them only cover the trailer while towing, once you unhitch, no coverage! Check and read the policy before you send them money.

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Old 03-30-2016, 12:41 AM   #9
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Okay , thanks !
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Old 03-30-2016, 12:58 AM   #10
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Insurance

We signed up with Progressive. They had a great rate and it covers hail damage.
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Old 03-30-2016, 11:35 AM   #11
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We signed up with Progressive. They had a great rate and it covers hail damage.
From what I've heard most hail damage is so expensive to fix that it usually ends up with the insurance company paying you the depreciated book value of your rig (much less than it's worth to you). Unless you have an agreed value policy.
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Old 03-30-2016, 01:48 PM   #12
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I've heard that it is advisable to separate your RV insurance from your vehicle insurance. That's probably easier to do with a MH than with a towable, but that's what we did. The Foretravel is insured with one company, while the Jeep is insured with another. Supposedly a claim on one policy won't affect the other one. No claims on either one, so no personal experience.
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Old 03-30-2016, 02:37 PM   #13
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Progressive Insurance does NOT do stated or agreed values, only depreciated value less your deductible. Stated to me yesterday on their. Phone number (855)293-2648. AEW
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Old 03-30-2016, 02:58 PM   #14
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Progressive Insurance does NOT do stated or agreed values, only depreciated value less your deductible. Stated to me yesterday on their. Phone number (855)293-2648. AEW

Hi Unifreck. That is strange that the agent would tell you that. We just converted to an agreed value policy a few weeks ago with Progressive, and they advertise agreed value policies for RVs on their website. (I believe the highest agreed value they offer is $75,000, so maybe you were seeking higher?) Best, Joe

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