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Old 03-22-2003, 02:07 PM   #1
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New Safari and Insurance

Getting ready to order a new Safari but want some feedback about TT insurance. Anyone done their homework and come to some conclusions? Not looking for the cheapest, it is only cheap until there is a claim!! I'm getting the best TT and want the best TT Insurance.
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Old 03-22-2003, 02:42 PM   #2
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Melvin,

I just got a 2003 Bambi. State Farm wanted (and got) $373.00 for the year w/ a $250 deductable. This is the rate includes any multipolicy discounts.

I know it's not a Safari, but you can start to use it as a guide.

Eric
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Old 03-22-2003, 10:32 PM   #3
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Melvin,

I have Foremost primarly because of the replacement coverage and the towing coverage for the trailer and my tow vehicle.

Here is a thread from last year.

http://www.airforums.com/forum...insurance+cost

Jack
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Old 03-23-2003, 02:02 AM   #4
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Jack,

That thread made me ask more questions that it answered. This is a good thing since State Farm could be taking me for a ride.

Please enlighten me as to what you do. I would also be interested in others comments.

State Farm always goes by current value costs and I need to know what happens if I'm at a campground and a tree falls on Bambi and it;s not connected. State Farm made a point to say I have ZERO liablity on Bambi on the cards they mail out.

Eric
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Old 03-23-2003, 11:20 AM   #5
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I use Foremost because of their replacement policy, and because of reports from satisfied Airstream owners. Obviously, if they're going to buy me a new 34' Limited in years 1-5 and give me what I paid for it in years 6-10, it's expensive. I've had State Farm on the vehicles longer than I can remember and that's what I have on the truck. Their coverage on the trailer wouldn't be nearly enough for me.
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Old 03-23-2003, 11:27 AM   #6
 
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We have had Foremost for 12+ years for our trailers.
We had a claim on our 1971, after an encounter with a gas station sign in WV. It did not go through the inside, but that was pretty close.
They refused to have the panel replaced because it would have exceeded the value of the trailer. They paid $1500 to have a patch aplied 2' X 7' . Several years later it is barely visible, and that makes it stonger.
We may be shopping for another company after reading so many good things said everywhere. In the end, good chance we will stay with Foremost. We have 3 vehicles with State Farm, not a good deal for the trailers.
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Old 03-23-2003, 11:32 AM   #7
 
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Maurice,

you posted while I was writing.... great minds.....
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Old 03-23-2003, 11:56 AM   #8
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So what I'm hearing you all say, is that Foremost is great for total replacement cost, even if the unit is old, but they are bad when it come to repair?

To me, if I put a sign into my hull like it were butter and it almost entered the cabin, I'd want a new panel. I suppose I could make up the difference, but isn't that what insurance is for anyway. I like State Farm, but if I can get the same service elsewhere for less than 373.00, I'm all for it. I'm not worried about total replacement cost being how new the unit it right right now. That concern would happen in about 5-8 years I think for me.

Comments?

Eric
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Old 03-23-2003, 01:00 PM   #9
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>Please enlighten me as to what you do. I would also be >interested in others comments.

Eric,

Bottom line most insurance companies are not going to pay out more than what the vehicle is worth....and that's the rub. If you have a vintage unit, Foremost reps told me that with proper appraisal they can insure your vehicle for more than blue book. I don't have a vintage unit so I can't prove that statement.

With the soft skin and living in the midwest with all its associated storms, I decided to go with Foremost based on the replacement guarantee in years 1-5, and the purchase cost in years 6-10.

I added the towing insurance from them also whick added $40 a year but that guarantees me tow of the trailer and the tow vehicle if the tow vehicle is disabled. That's about $59 less a year than Good Sam or updating my AAA.

Like anything else the proof is in the service. Obviously if nothing happens in my first 10 years of ownership, hindsite will tell me I should have gone with a cheaper company. With insurance its always a roll of the dice.

Jack
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Old 03-23-2003, 02:48 PM   #10
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Insurance

I have my house and 4 vehicles covered by State Farm so naturally they were the first I talked to. I also asked for a quote from Camping World and Foremost. I bought my Excella almost 2 yrs. ago for $7,600 dollars. Coverage then was $196.20 for a year. I have $500 deductible. I was told that while towing, liability was up to limits of my automobile policy. While set up, my homeowners liability coverage was in effect. That confused me a little. Camping World sent me a quote on deductibles of $1,000 for collision and comprehensive and a limit on personal effects of $2,000 for free. They offered personal effects coverage up to $50,000. Price was $117 for 6 MONTHS and the quote was on May 9, 2001. I filed it and said no thanks. I was afraid to ask about a $500 deductible. I can't remember what the Foremost quote was but it was not something I considered at the time.

Maybe the price was right because I have my house and vehicles with the same company and they have been good to me.
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Old 03-23-2003, 05:01 PM   #11
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Thanks all!

Eric
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Old 03-23-2003, 10:30 PM   #12
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Trailer Insurance

Now you have me concerned!! We also have State Farm Ins--muliti-vehicle, home, boat, shop, but not the dog--Our insurance for a 2002 Bambi is $25 per month w/ $1000 deduct--Does not include towing unless attached to the towing vehicle--also figured when stored over the winter I would disconnect the ins, like a car on blocks, agent said homeowners ins would not cover the trailer. this discusssion brings up some new issuses I need to address with my agent.
thanks,
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Old 03-23-2003, 11:35 PM   #13
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AE,

Will you make sure that you post your dealings with your State Farm agent. I'd kind of like to have this one worked out since I feel having the right mix is important. If State Farm can't deliver, then I'm gonna need to look elsewhere. I was under the impression that the vehicle is covered on it's own when not attached to the car.

Eric
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Old 03-24-2003, 10:02 PM   #14
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New Safari & Insurance

Just checked with my agent again today regards this issuse. Same insurance company, same trailer make, size & year, same coverage ( 250 deduct ) yours was I believe $373 w/ 250 deduct & mine w/ 250 deduct would be $577. The agent was to check this out ??? & get back to me regarding how they figure the rate, which differs by state. I was again reminded that if I took the coverage off during the winter the trailer would not be covered ( except perhaps by snow ). Also the homeowners coverage does not cover a rec vehicle should someone happen to get hurt ( like falling out the door, etc ). I was told that a rec vehicle needs it's own insurance coverage, whether on the road or stored. I' going to check further on this, as I wonder if the agent really is up on this.Funny how they get the angles to rip you off, as I have other trailers which are covered by the towing vehicle & when not attached, by our homeowners.
Can't afford to be without & getting so I can't afford to have.
Best,
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