Do you insure your RV and passenger vehicle(s) together or on separate policies? Please leave a comment if you have any tips about why you chose your particular company and if you would recommend it to others.
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We have 4 vehicles including a street legal golf cart and our motor home on one policy with The Hartford. We also have our home insured with the same company.
The RV should have its own policy unless all of the appropriate coverages are included, which I very much doubt. Hartford is a good company but is kind of iffy on specialty coverages. I would get a quote on your motor home thru Progressive. They are not always the cheapest but the coverages would be more comprehensive such as Vacation Liability, increasing your RV contents, etc. A quote will not cost you anything. As you can probably tell, I am a retired insurance agent.
Which is best? Does the trailer have to be attached to your vehicle for a claim? Is the cost higher or lower?
No, the trailer does not have to be attached to your vehicle for a claim. I’ve filed 2 claims in the past 5 years, in which the trailer was not attached to the vehicle. It’s cheaper to have them both on the same policy.
yes with National General and not thru any club best deal i could find.
Although one company insures all vehicles they consider them separate policies because the coverage is different. The total price is much lower than any competitor. Insurance through Winnebago.
Same company, separate policy
I would be surprised if you could insure a motorhome and a towed vehicle on the same policy. As one responder noted, they have different coverages, limitations, etc. Seems like it could get pretty complicated in a hurry.
Forgot to add – same company but separate policies.
Same policy because if you have an accident with more than one vehicle involved it is only one deductible.
Same company (Progressive) different policies. They had one of the most comprehensive policies for full timer motorhomes, nationwide service centers and true replacement cost reimbursement for total loss.
I think others have noted this, but this poll makes no sense as written. I THINK you meant “same company” not “same policy.” One POLICY would mean insured as if it’s ONE vehicle, which it’s legally not, so I can’t see any company allowing this. Two policies with the same company, there are usually “multicar” discounts and the above combined deductible. The only time I can see different companies making sense is if you want a different TYPE of insurance not offered by one company [eg. you never actually tow your towable, so don’t want motion-related insurance. I have 7 (vehicles/houses) policies with the same company and 1 oddball policy for a rental property with another.]
I tend to agree, but as full timers, we have both vehicles insured with the same company but separate policies with separate deductibles. We couldn’t find any companies that would have two policies (Covering RV and towed auto) and only one deductible.
We’re Canadian, so probably totally different rules. I have at least 4 vehicles listed on one pink card (our proof of insurance), so SAME POLICY. Our motorhome is with the same broker (agent) but a totally different insurance company. Different companies specialize in different coverages. My broker “shops” my needs with many insurers.
That’s a very smart insurance broker. Should be separate policy for the RV and because companies are continually updating/changing what they are licensed to write, it pays to shop.
Maybe every couple of years.
Separate companies only because USAA no longer writes coverage for motohomes. (They will finance them, though.)
There’s not poll option for me: “It Depends.”
Six months of the year we’re in the USA, and all vehicles are on the same policy.
But the other six months we are in Mexico, and the law there requires that each individual vehicle be on a separate policy. (As a side note, I have my Toad Trailer on two separate policies, so it’s covered no matter which vehicle is towing it.)
We did at one time, and with two different carriers over the years.
Now, we don’t have a whole lot of choice.
After we finally got a real appraisal, we knew we had to get a policy to cover the real value. The only choice was a couple of specialty underwriters.
USAA insures all our vehicles, but we went with Good Sam for 5th wheel insurance because it was less expensive.
GEICO for me! Very happy with coverages
Policy #1 for Pickup
Policy #2 for Automobile
Policy #3 for Fifth Wheel (fulltime)
American Family – home, vehicles and RV. I need to check if vehicles and RV are on separate policies.
Like Roy I’m Canadian and the rules seem to be quite different for us. My 5th wheel is covered through a rider on my homeowners insurance.
I have two cars and the Class A on same account but separate policies with 21st Century Insurance in California. Great people. Low pricies. Accident totaled one car, wasn’t much damage but both airbags deployed. Had the check and new car within 3 weeks.
We have everything insured by Hartford through AARP and are happy with it!
p.s. We have a TT
Used to have a seasonal on our home insurance and a TT on auto. Have now switched to both units with Wayfarer- a company specializing in RVs in the Canadian market. They have a very good reputation, according to our broker.
St. Marys, Ontario
Good Sam Club, best rates for RV coverage with others cars on same policy.
I have two vehicle trailer and house all under same company State Farm Ins. our daughter is my agent, good coverage.