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Author Topic: Fifth Wheel Insurance  (Read 236 times)

danajdelarosa

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  • Posts: 14
Fifth Wheel Insurance
« on: November 08, 2017, 07:00:03 PM »
Hi again from this newbie family,

Fifth wheel toyhauler is coming home next week. I'm still trying to decide whom to insure it with. I have quotes from USAA, Progressive and Good Sam.

Currently all of our vehicles and homes are insured through USAA. However, Progressive has the cheapest policy and Good Sam seems to offer the most amenities.

Looking for your experienced advice on whom to insure through. Is there a recommended provider I should seek a quote from? Is the Good Sam membership worthwhile?

Who do you use for roadside assistance coverage?

Thanks in advance. Really love this forum!
Dana and Julio
2 boys, 16yrs and 10yrs
3 doggies (Am Bulldog, Pug and Dachsund)
2017 Seismic Wave 400W Toyhauler
2018 Dodge Ram 3500 1 Ton, Long Horn
Yamaha R6 - daily driver
2010 Audi TTS - daily driver
2010 Toyota Sequoia - soccer mom car

Gary RV_Wizard

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  • Posts: 60762
  • RVer Emeritus
Re: Fifth Wheel Insurance
« Reply #1 on: November 08, 2017, 07:26:00 PM »
First determine what coverages you want/need and how much, and then shop for the best value for that coverage. Since no liability is needed for a trailer, basically you just need Collision and Comprehensive, but deductible is important too.  And do you want full replacement value or just ACV?   In any case, try an RV specialist agency such as Millers RV Insurance and see what they can come up with.

Would you be willing to move the insurance on the other vehicles if there was an attractive package deal for all your stuff?

Roadside is probably either Coach Net or Good Sam.
Gary
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Gary Brinck
Summers: Black Mountain, NC
Home: Ocala National Forest, FL

danajdelarosa

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  • Posts: 14
Re: Fifth Wheel Insurance
« Reply #2 on: November 08, 2017, 08:25:37 PM »
I will try an RV specific insurance company. Thank you for the suggestion.

We are more than willing to switch all of our vehicles if there is a better premium. We have found over the years that USAA is hard to beat as active duty personnel.

I appreciate your help <3
Dana and Julio
2 boys, 16yrs and 10yrs
3 doggies (Am Bulldog, Pug and Dachsund)
2017 Seismic Wave 400W Toyhauler
2018 Dodge Ram 3500 1 Ton, Long Horn
Yamaha R6 - daily driver
2010 Audi TTS - daily driver
2010 Toyota Sequoia - soccer mom car

Arch Hoagland

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  • Posts: 1488
  • Clovis CA
Re: Fifth Wheel Insurance
« Reply #3 on: November 09, 2017, 12:12:44 AM »
A friend of mine was towing his fifthwheel in a snowstorm and the trailer came sliding around him and did a bunch of damage to the truck and trailer.

He had two different insurance companies.

His words of wisdom after everything got repaired were:

1. Never drive in a snowstorm.

2. Never use two different insurance companies.

2004 Monaco La Palma 36 DBD
W22, 8.1 gas,  Allison 1000 Transmission
7.1 MPG over 80,000 miles

2000 Lexus RX300, 4020lb
U.S. Gear Braking System

kdbgoat

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  • Posts: 4121
Re: Fifth Wheel Insurance
« Reply #4 on: November 09, 2017, 05:58:16 AM »
I have been insured with State Farm for years, and my wife has been insured with them since she was 16. I just went through the ordeal of getting quotes from over a half a dozen companies including USAA. I made sure each was quoting the exact same coverage as what I have now, and no one could beat State Farm comparing apples to apples.
I know you believe you understand what you think I said,
But I am not sure you realize what you heard is not what I meant


2016 Leprechaun 319DS

BruceinFL

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  • Posts: 2899
Re: Fifth Wheel Insurance
« Reply #5 on: November 10, 2017, 11:21:57 AM »
I use USAA for all my vehicles, including all the RVs I have owned. However, I do NOT use the USAA roadside assistance because their contracts are not set up for RVs. Instead, use either Coach-net or Good Sam.
Bruce A.
2004 Alpenlite Valhalla 29RK 5W
2005 Ford F-350 SRW 6.0L

 

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