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Topic ClosedR pod insurance - Event Date: 31 Jul 2013
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thadd View Drop Down
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Joined: 06 Oct 2012
Location: Sacramento, CA
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Posts: 53 		Direct Link To This Post Calendar Event: R pod insurance
    Posted: 02 Aug 2013 at 8:59pm
We have GEICO and one of the perks from them is that if you're in an accident and have both TV and R-Pod insurance from them, you only pay one deductible for that accident.

After our crash, we were really happy with their flexibility on getting the repairs done. We ended up having claims and inspections on the R-Pod in three different states (TN where the accident occurred, TX during our half-way stop for Christmas and to do a few more repairs to make the R-Pod more roadworthy for the rest of the trip, and then CA for the remaining repairs that took too long to do elsewhere).
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Joined: 06 Jun 2013
Location: Newborn, GA
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Posts: 118 		Direct Link To This Post Posted: 02 Aug 2013 at 8:29pm
Originally posted by P&M

On our policy, it is actual full replacement of the Pod with the newest years model.


We have the same coverage from Progressive.  I think ours goes out 5 years from the date you bought your unit and then "freezes" in terms of replacement value.
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Location: Louisville, Ky
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Posts: 1807 		Direct Link To This Post Posted: 02 Aug 2013 at 6:58pm
I shall be looking into that then.  Ours is just current value of the camper!
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Joined: 13 Aug 2012
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Posts: 454 		Direct Link To This Post Posted: 02 Aug 2013 at 4:29pm

On our policy, it is actual full replacement of the Pod with the newest years model.
P & M ... and Comet too!
2012 171 -- The Monkey Pod
2018 Ram 2500
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Joined: 01 Aug 2010
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Posts: 1807 		Direct Link To This Post Posted: 02 Aug 2013 at 4:01pm
When some of you are mentioning replacement coverage, do you mean just like with your car you'd get the value of what your Pod is currently worth?

Or actual "full replacement" of your Pod with a new one if it were totaled??


Ying Yang
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Joined: 13 Aug 2012
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Posts: 454 		Direct Link To This Post Posted: 02 Aug 2013 at 8:34am
I think that the most surprising thing to me when I was getting the insurance figured out, prior to Pod purchase, was that it was not nearly as expensive as I thought it would be.
P & M ... and Comet too!
2012 171 -- The Monkey Pod
2018 Ram 2500
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podders Helping podders - pHp
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Joined: 19 Nov 2009
Location: Oshawa, Ontario
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Posts: 767 		Direct Link To This Post Posted: 01 Aug 2013 at 8:02pm
Aviva - $260/yr

Covers full replacement value for the first 5 years, $10,000 content insurance, $1,000,000 liability if someone is injured on the campsite.
Craig :: 2009 RP171 towed by a 2017 F150
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Joined: 20 Sep 2010
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Posts: 267 		Direct Link To This Post Posted: 01 Aug 2013 at 12:40pm
Whatever insurance company you select, you might want to consider having comprehensive coverage. Here's an example of why.  In July of 1996 we were in a private campground in Big Timber, Montana. We were returning to Washington State after doing all of the Black Hills stuff. It was about 85 degrees, and we were sitting in the trailer with the A/C on. About 10 minutes later every trailer, motor home, and tow vehicle was being pummeled by marble sized hail stones.
 
Tow rigs dimpled, trailer windows broken, aluminum siding ruined, hail in the trailer through the broken roof vents, and ruined A/C unit. The only uninjured vehicles were a few Corvettes returning from the Corvette get together at Spearfish, SD. We duct taped the windows, and vents, returned home and quickly checked our policy. We did have comprehensive. It would have been $7,000 to repair a $10,000 trailer.  
'10 RP 175-Replaced by 2014 Kodiak 173 QBSL
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Joined: 26 Sep 2011
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Posts: 913 		Direct Link To This Post Posted: 01 Aug 2013 at 11:01am
Ours. State Farm. About $300/year. Safe Travels.
Camper Bob and Camper Sue
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Joined: 13 Aug 2012
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Posts: 454 		Direct Link To This Post Posted: 01 Aug 2013 at 8:29am
Progressive ... full replacement coverage (will replace with current years model), good comprehensive / collision / damage coverage, towing costs, repairs to TV if caused by trailer, and so on.  Right around $240 per year for us.
P & M ... and Comet too!
2012 171 -- The Monkey Pod
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