insurance |
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johnmaci
Senior Member Joined: 17 Jun 2014 Location: MD Online Status: Offline Posts: 202 |
Topic: insurance Posted: 25 May 2016 at 3:57pm |
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David and Danette
podders Helping podders - pHp Joined: 24 Nov 2009 Online Status: Offline Posts: 1214 |
Posted: 25 May 2016 at 5:29pm |
I agree for the past 7 years I have left it alone, I have gone without it.
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2018 Vista Cruiser 19BFD (2018-
2012 Vibe 6503 (2014-2019) 2009 r-pod 171 (2009-2014) Middle Tn 2014 Ram 1500 Quad cab |
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johnmaci
Senior Member Joined: 17 Jun 2014 Location: MD Online Status: Offline Posts: 202 |
Posted: 25 May 2016 at 5:40pm |
Sorry for the blank post :( Was just curious what level of coverage was necessary (if any)......
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techntrek
Admin Group - pHp Joined: 29 Jul 2009 Location: MD Online Status: Offline Posts: 9059 |
Posted: 25 May 2016 at 8:54pm |
That is up to your bank, if you financed it. If you didn't, you have a minimum level of coverage via your auto policy as long as it is hitched up. I fully insured mine as an additional vehicle on our auto policy, and our current camper came with 1 1/2 years of a 7 year comprehensive policy.
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Doug ~ '10 171 (2009-2015) ~ 2008 Salem ~ Pod instruction manual
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GlibGuy
Groupie Joined: 14 Apr 2015 Location: Virginia Online Status: Offline Posts: 65 |
Posted: 25 May 2016 at 9:53pm |
Pretty sure Maryland is the same as Virginia and there is NO physical coverage provided for a recreational vehicle while "hitched". It would have liability, i. e. damage to others only. |
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MICK
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johnmaci
Senior Member Joined: 17 Jun 2014 Location: MD Online Status: Offline Posts: 202 |
Posted: 26 May 2016 at 8:52am |
Thanks for the replies.
When I bought my trailer, I purchased a Progressive policy (since USAA does not offer RV insurance and progressive is a third party). I had not realized they had sold me the wrong policy that was costing $290 a yr. (I had no idea there was a difference in RV and trailer coverage). Due to another post earlier on this forum regarding AAA, I called and inquired about their coverage. They were very helpful and explained I needed to call my insurer and ask for comprehensive and collision; liability is already covered by my auto policy. Although USAA is not inexpensive, I was able to save almost $100 a year over what I was paying Progressive. |
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techntrek
Admin Group - pHp Joined: 29 Jul 2009 Location: MD Online Status: Offline Posts: 9059 |
Posted: 26 May 2016 at 8:44pm |
Yes, liability is the "minimum while hitched" coverage. Then there is comprehensive coverage if you pay for it (which is what a bank will require if it is financed, like a car). Then there are various levels of repair/replacement warranty coverage like XtraRide which is what my camper came with. Wasn't clear before!
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Doug ~ '10 171 (2009-2015) ~ 2008 Salem ~ Pod instruction manual
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Jewel59
Groupie Joined: 19 May 2016 Online Status: Offline Posts: 70 |
Posted: 29 May 2016 at 7:44pm |
I purchased my r-pod with no financing. I have a policy with State Farm that runs $23.00 a month. It's worth it to me for peace of mind.
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techntrek
Admin Group - pHp Joined: 29 Jul 2009 Location: MD Online Status: Offline Posts: 9059 |
Posted: 30 May 2016 at 8:07pm |
Over 12 months that seems expensive, I think I pay half that.
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Doug ~ '10 171 (2009-2015) ~ 2008 Salem ~ Pod instruction manual
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jato
Senior Member Joined: 23 Feb 2012 Location: Kewadin, MI Online Status: Offline Posts: 3221 |
Posted: 30 May 2016 at 8:14pm |
I pay 74.00/year. This is with collision (1000 deductible), comp. and full replacement value. Pioneer State Insurance, Lansing, MI.
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God's pod
'11 model 177 '17 Ford F-150 4WD 3.5 Ecoboost Jim and Diane by beautiful Torch Lake "...and you will know the Truth and the Truth will set you free." |
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