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Old 07-03-2019, 08:41 PM   #1
stanleyz
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INSURANCE Are you covered? R U sure??

So I just changed insurance companies. I have had a truck and 5th wheel insurance for twenty years with four different companies. Today my Allstate policy began and I was reviewing it when a problem hit me between the eyes. As usual my fifth wheel is covered for liability involving a traffic accident because it is covered with my truck. Here at home it is covered under Home Owners. But, when unhooked and sitting in the campground I have no liability coverage. I verified that with the local office and they talked with Allstate. Not only do I not have coverage but they don't have a way to sell me any. No such policy. I don't have any of my old policies but I did review the one with the last company and it seems to have the same short coming. So, if some one comes to visit and falls down my steps I'm on the hook for medical and I may have been for 20 years,

Suggestions please?
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Old 07-04-2019, 11:06 AM   #2
wingnut60
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Stanley,
I have full-timer coverage with Good Sam/National General. Supposedly covered for liability, but will have to check.
Coverage for trailer is separate from truck--'17 450/'11 MKX/'15 Suites=$4200year, lowest I could find in TX.
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Old 07-04-2019, 05:50 PM   #3
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I carry a one million dollar umbrella that should take care of that.
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Old 07-05-2019, 12:29 PM   #4
stanleyz
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Yeah, thats the way I'm thinking I have to go.
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Old 07-15-2019, 03:17 PM   #5
LarryFlew
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Found the same thing reviewing my policies last year. Guess I have been without for about 5 years. Switched my 5th to Good Sam. Price was almost the same but WITH coverage.
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Old 07-15-2019, 03:19 PM   #6
Mel11
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Quote:
Originally Posted by wingnut60 View Post
Stanley,
I have full-timer coverage with Good Sam/National General. Supposedly covered for liability, but will have to check.
Coverage for trailer is separate from truck--'17 450/'11 MKX/'15 Suites=$4200year, lowest I could find in TX.

$4200.00 a year WHAT
What do you guys in usa pay for RV insurance.
My new 2018 5th wheel cost me $495.00 per year in Canada
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Old 07-15-2019, 03:22 PM   #7
rcraft@satx.rr.com
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Originally Posted by Buckshot View Post
I carry a one million dollar umbrella that should take care of that.
I also have an Umbrella ... but you must have the "underlying" insurance to make that work. My State Farm agent said the only way to get the Umbrella to cover the 5th wheel is to have liability on the 5th wheel. We are full timers so we have $500K with the full timers policy (National General) and our Umbrella with State Farm.
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Old 07-15-2019, 04:31 PM   #8
clev
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I'm going to do some personal checking but I think most of you guys/gals are wrong. Only motorized vehicles, operating on the highway, need liability insurance. And anything 'attached' to the insured motorized vehicle is covered. Maybe I'm wrong, but checking.
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Old 07-15-2019, 05:23 PM   #9
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I am thinking the OP is referring to liability coverage like you have with a home owners policy. As he points out this appears to be a gap.
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Old 07-15-2019, 10:28 PM   #10
OneReallyOldGuy
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If youíre RV is your only residence you need liability insurance. Progressive offers a ďfull timers policyĒ as well as auto policies and umbrella policies.
Sounds like I work there but I donít Iím just a customer.
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