Insurance

AustinHealey
AustinHealey Member Posts: 66
in Looking to buy a Trailer?

Hopping to pick up a 2020 Tag boondock lite tomorrow. What type of insurance do you have on your TAG and how much does it cost?

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Comments

  • JamesDow
    JamesDow Member Posts: 751

    I have a 2018 T@G Max and live in southern California.
    My insurance is through my auto carrier (Wawanesa). I pay about $105 per year. I have a $300 deductible (comprehensive/Collision) and paid an extra $9 per year for Manufacturer Replacement Parts.

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  • lipcio
    lipcio Member Posts: 41

    Maybe I'm wrong but my agent told me Collision is covered by your car insurance while towing. The only reason to have additional insurance is for storage damage or theft when you don't travel (not connected to your vehicle).

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  • AustinHealey
    AustinHealey Member Posts: 66

    My insurance agent with Allstate is quoting me $602 a year for total coverage with the highest available deductible at $350. Seems a bit high. Progressive quotes me $444 per year. Wonder if I can have a separate policy on the TAG from the car?

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  • lipcio
    lipcio Member Posts: 41
    edited April 2020

    @AustinHealey said:
    Wonder if I can have a separate policy on the TAG from the car?

    You can and beauty of this is that you can have insurance for 4-5 months and cancel it when trailer is not used and stored in safe place like garage.

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  • JamesDow
    JamesDow Member Posts: 751

    Collision helps repair any damage to your trailer if you cause an accident or collide with a stationary object while towing it.

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  • GigHarborTom
    GigHarborTom Member Posts: 270
    edited April 2020

    I have been with Safeco since '71
    Our 2017 Tag with agreed value of $15,ooo, is $92 for comprehesive, $36 collision, $6 Roadside assistance

    Might add that our '61 Avion received major damage in a shop last year
    and they (Safeco)paid $11,ooo . Had $100 deductible. We kept the insurance check and sold the Trailer as is for $15K. Was a restored '61 polished Aluminum. 21 footer.

    Gig Harbor Tom
    Trl '17 T@G Max
    TV 2018 Mazda CX9 Signature

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  • WilliamA
    WilliamA Member Posts: 1,309
    edited April 2020

    @lipcio said:
    Maybe I'm wrong but my agent told me Collision is covered by your car insurance while towing. The only reason to have additional insurance is for storage damage or theft when you don't travel (not connected to your vehicle).

    I think there needs to be a little more research here. Tow vehicle insurance only covers liability to others while towing. It does not cover trailer damage. You need a different policy for that. Better talk to your agent. I have Geico and my collision, liability (while in camp) and comprehensive (theft etc) is around $200 per year for my trailer.

    WilliamA

    "When I am in charge, Starburst brand fruit chews will get their own food group....and where are all the freakin laser beams? There should be more laser beams..."

    2021 Jeep Cherokee Trailhawk
    2017 T@G XL
    Boyceville, Wi.

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  • Sharon_is_SAM
    Sharon_is_SAM Member Posts: 696

    Talk to a Progressive Agent. Their policy is very complete and protects the trailer and contents when not attached to your TV. I believe that covering the trailer with your auto policy covers it only when in motion/attached to the TV.

    Sharon - Westlake, Ohio | 2017 TaB CSS - 

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  • Tag75605
    Tag75605 Member Posts: 40

    I have a 2020 T@g Boondock Lite. My premium, with a $2,000 deductible is $12.83, per month.

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  • AustinHealey
    AustinHealey Member Posts: 66

    TAG 75605 - who is your insurance with?

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  • Tag75605
    Tag75605 Member Posts: 40

    The Texas Farm Bureau Insurance Company. I have my home, 2 vehicles and now my T@g insured with them. I have found their rates to be very reasonable, on everything.

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  • Bob297
    Bob297 Member Posts: 148

    We pay $87/year, full coverage with State Farm. I don’t remember the deductible, but it is low—I think $500.

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  • albutzer
    albutzer Member Posts: 25
    edited April 2021

    Hello Group,
    Just curious what you are paying/using for insurance on the TAG.
    Thanks - AB

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  • albutzer
    albutzer Member Posts: 25

    Sorry - I posted prior to running a search - new information still welcome.
    AB

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  • JamesDow
    JamesDow Member Posts: 751
    edited April 2021

    Just paid my insurance (Wawanesa) a few days ago. Insured through my auto insurance policy. Annual cost $105.78, which includes vehicle manufacturer replacement parts ($9.62). Coverage is both comprehensive and collision. I decided to add the extra replacement parts coverage to have the upper hand in the parts area. Really not needed.

    Adding is a very easy process.

    .

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  • csonni
    csonni Member Posts: 354

    I believe my company added part to my auto insurance and part to my home insurance.

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  • JamesDow
    JamesDow Member Posts: 751

    Homeowners insurance normally covers personal items stolen from your vehicle and/or your trailer. Nothing is needed to be added to your honeowners insurance for this coverage.

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