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Old 07-31-2003, 08:49 PM   #15
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We have ALL (vehicles, home, etc) our insurance with State Farm & our 02 Bambi runs $37 per month. Our insurance agent told us that we must carry seperate insurance for the trailer, even while parked at home for the winter. Homeowners Ins would only apply to liability & not carry thru for damage to the A-S. At first I was going to cancel the A-S Ins for the winter, until I was told that then I was going to raise the deduct for the winter months, but they would not go for it. If we do raise the deduct, then the premiums will be prorated. They told me I could only change the deduct once, then there would be a charge after that. I would question your agent regarding just what is covered, if you do not carry insurance on the TT. I would bet that your homeowners Ins will not cover damage to the TT.
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Old 08-01-2003, 05:54 AM   #16
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My rate is almost exactly the same. That is very strange on the deductable charge. I have never heard of anything like that and I have raised mine (and lowered one) without any problems, fees or otherwise. I too have several policies with State Farm.
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Old 08-01-2003, 06:08 AM   #17
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Deductables

I recently raised the deductables on my car and truck. I wanted to also raise the comprehensive on the A/S from the original $100. Surprise! USAA only has actuarial calculations for $100 comprehensive on travel trailers (at least on Airstreams). For the cars and truck there was a whole list of deductables to choose from.

I guess I can't complain too much. USAA replaced the awning on my Scamp without a murmur and paid over $8000 for hail damage on my TrailManor with no fuss.
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