R pod insurance
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Category: R-pod Discussion Forums
Forum Name: Miscellaneous / Off-topic
Forum Discription: Pull a chair up to the campfire and chat. No religious, political or weapons talk, please.
URL: http://www.rpod-owners.com/forum_posts.asp?TID=3781
Printed Date: 16 May 2025 at 9:20pm
Software Version: Web Wiz Forums 9.64 - http://www.webwizforums.com
Topic: R pod insurance
Posted By: Lefty
Subject: R pod insurance
Date 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 |
Replies:
Posted By: techntrek
Date Posted: 31 Jul 2013 at 7:58pm
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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 ~ http://www.rpod-owners.com/forum_posts.asp?TID=1723 - Pod instruction manual 
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Posted By: GA_RPOD_178
Date Posted: 31 Jul 2013 at 9:48pm
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Progressive Insurance, through a local agent. Added total replacement. Didn't shop the coverage that much first year. -------------  [/URL]
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Posted By: rpodcamper.com
Date 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. |
Posted By: P&M
Date Posted: 01 Aug 2013 at 8:29am
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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 |
Posted By: Camper Bob
Date Posted: 01 Aug 2013 at 11:01am
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Ours. State Farm. About $300/year. Safe Travels. ------------- Camper Bob and Camper Sue Gracie the Wonder Dog (12 LB. Mini Dachshund) 2013 Rpod 171HRE(ORPod) 2016 Lance 1685 2015 Nissan Pathfinder |
Posted By: Kickstart
Date Posted: 01 Aug 2013 at 12:40pm
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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 '05 Sportster (half a Harley) Retired-We're on Beach Time! |
Posted By: Outbound
Date Posted: 01 Aug 2013 at 8:02pm
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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 |
Posted By: P&M
Date Posted: 02 Aug 2013 at 8:34am
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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 |
Posted By: kymooses
Date Posted: 02 Aug 2013 at 4:01pm
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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??  ------------- https://calendar.google.com/calendar?cid=cnBvZC5zcG90dGVyQGdtYWlsLmNvbQ - RPod Rallies https://www.google.com/maps/d/embed?mid=1W1foQXGtrjf8aYly1uh0b-bHPfI&hl=en_US - RPod Owner Map |
Posted By: P&M
Date Posted: 02 Aug 2013 at 4:29pm
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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 |
Posted By: kymooses
Date Posted: 02 Aug 2013 at 6:58pm
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I shall be looking into that then. Ours is just current value of the camper! ------------- https://calendar.google.com/calendar?cid=cnBvZC5zcG90dGVyQGdtYWlsLmNvbQ - RPod Rallies https://www.google.com/maps/d/embed?mid=1W1foQXGtrjf8aYly1uh0b-bHPfI&hl=en_US - RPod Owner Map |
Posted By: GA_RPOD_178
Date Posted: 02 Aug 2013 at 8:29pm
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. ------------- [/URL]
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Posted By: thadd
Date Posted: 02 Aug 2013 at 8:59pm
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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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