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Topic ClosedR pod insurance - Event Date: 31 Jul 2013
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Lefty View Drop Down
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Joined: 24 Jul 2013
Location: Pittsboro, NC
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Posts: 62 		Direct Link To This Post Calendar Event: R pod insurance
    Posted: 31 Jul 2013 at 5:56pm
Almost there on getting the 178 and was wondering what insurance coverage most people get and what company they use
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Joined: 29 Jul 2009
Location: MD
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Posts: 9062 		Direct Link To This Post Posted: 31 Jul 2013 at 7:58pm
We use a locally-based company for our auto and pod insurance, Peninsula Insurance.  In many cases a trailer has some coverage (collision) under an auto policy while hitched up - but none while unhitched.  We added our pod as an additional vehicle for full coverage.  It doesn't cost much but I don't remember exactly how much. 
Doug ~ '10 171 (2009-2015) ~ 2008 Salem ~ Pod instruction manual
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Joined: 06 Jun 2013
Location: Newborn, GA
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Posts: 118 		Direct Link To This Post Posted: 31 Jul 2013 at 9:48pm
Progressive Insurance, through a local agent.  Added total replacement.  Didn't shop the coverage that much first year.
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Joined: 26 Nov 2009
Location: Reading, Pa
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Posts: 3990 		Direct Link To This Post Posted: 01 Aug 2013 at 1:15am
State Farm as I have been with them for years and get great coverage and fair pricing. Insurance for replacement cost on the trailer and also while hooked up to the Tv insurance is protected so if I hit something with the trailer the trailer's insurance pays not my trucks.
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Joined: 13 Aug 2012
Location: Spokane, WA
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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
2018 Ram 2500
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Joined: 26 Sep 2011
Location: Portland Oregon
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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: 20 Sep 2010
Location: Ocean Shores, W
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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
'12 Toyota Tundra
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Retired-We're on Beach Time!
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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: 13 Aug 2012
Location: Spokane, WA
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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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Joined: 01 Aug 2010
Location: Louisville, Ky
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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??


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