insurance
Printed From: R-pod Owners Forum
Category: R-pod Discussion Forums
Forum Name: Warranty, Service and Recall Bulletins
Forum Discription: Have a warranty or service experience to share?
URL: http://www.rpod-owners.com/forum_posts.asp?TID=8025
Printed Date: 10 Jul 2025 at 4:53am
Software Version: Web Wiz Forums 9.64 - http://www.webwizforums.com
Topic: insurance
Posted By: johnmaci
Subject: insurance
Date Posted: 25 May 2016 at 3:57pm
Replies:
Posted By: David and Danette
Date Posted: 25 May 2016 at 5:29pm
I agree for the past 7 years I have left it alone, I have gone without it.  
------------- 2018 Vista Cruiser 19BFD (2018- 2012 Vibe 6503 (2014-2019) 2009 r-pod 171 (2009-2014) Middle Tn 2014 Ram 1500 Quad cab |
Posted By: johnmaci
Date Posted: 25 May 2016 at 5:40pm
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Sorry for the blank post :( Was just curious what level of coverage was necessary (if any)......
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Posted By: techntrek
Date Posted: 25 May 2016 at 8:54pm
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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. ------------- 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: GlibGuy
Date 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. ------------- MICK |
Posted By: johnmaci
Date Posted: 26 May 2016 at 8:52am
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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. |
Posted By: techntrek
Date Posted: 26 May 2016 at 8:44pm
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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!
------------- 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: Jewel59
Date 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. |
Posted By: techntrek
Date Posted: 30 May 2016 at 8:07pm
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Over 12 months that seems expensive, I think I pay half that. ------------- 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: jato
Date Posted: 30 May 2016 at 8:14pm
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I pay 74.00/year. This is with collision (1000 deductible), comp. and full replacement value. Pioneer State Insurance, Lansing, MI.
------------- 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." |