Posted 2009-02-25 7:32 AM (#100115) Subject: Insurance
Regular
Posts: 74 Location: Dublin Ga
Can anyone tell me a good insurance company for insurance on a LQ horse trailer, I have a fifth wheel and used state farm but I am not sure that is the type of coverage we really need. Its good enough for the fifth wheel because it is sitting in the yard with a for sale sign.
Posted 2009-02-25 7:43 AM (#100116 - in reply to #100115) Subject: RE: Insurance
Veteran
Posts: 236 Location: Little town in Pa
I called my agent at Erie Insurance after I bought my new horse trailer with LQ and told them that it had RV living quarters in it. Erie insurance does our home and auto insurance. I would call your current car insurance company and make certain that you tell them it has RV facilities in it so you are fully insured. The difference was only about $50 but the LQ portion won't be insured unless you tell them.
Posted 2009-02-25 10:06 AM (#100123 - in reply to #100115) Subject: RE: Insurance
Veteran
Posts: 134
i use Progressive and have full replacement cost on my living quarters and they were very reasonable. My trucks are insured with Safeco and they wouldn't touch it. good luck.
Posted 2009-02-25 10:14 AM (#100125 - in reply to #100115) Subject: RE: Insurance
Elite Veteran
Posts: 714 Location: Minnesota
Ncatanz is right. Make sure you tell them it is a RV. I insure everything (Auto, Farm and LQ trailer) with American Family. That way I know I am covered for whatever and where ever something is damaged or stolen with only one deductible. I know that State Farm will do this for you also as I have compared cost and coverages on an annual basis with many companies. For me and in my situation and area AmFam is the best right now.
Posted 2009-02-25 10:50 AM (#100133 - in reply to #100115) Subject: RE: Insurance
Member
Posts: 10
Location: Springtown, Texas
Check out your State or Counties Farm Bureau Insurance Co. I have not found another Ins. Co. that has beat the price I pay for Auto Ins. I have had a horse trailer with them but no LQ. Also farm equipment. You also get other discounts for being a farm burear member - you just join.
I think your post said you were in Georgia - here is a farm bureau in GA
Posted 2009-02-25 2:26 PM (#100157 - in reply to #100115) Subject: RE: Insurance
Elite Veteran
Posts: 736 Location: Western WA
My LQ trailer is insured through State Farm. Classified as an RV. Had to talk the agent through all the specifications but they got it done. Everything else is through State Farm and we wanted to keep it all with one company.
Posted 2009-02-25 6:39 PM (#100169 - in reply to #100115) Subject: RE: Insurance
Location: Central Arkansas
I thought the exact same thing just to find out that farm use trucks and trailer have a 150 miles radius claus! I ended up having to move my two trailers and the the two trucks that pull them to different insurance carriers. I can thank the knowledgeable folks on this forum for suggesting that my Farm Bureau rates seemed way too low and that maybe I should check into what exactly is covered. Then, this 150 mile radius thing came up and I was scrambling to get the "proper" coverage. I average about 25 to 35K trailer towing miles a year and was damn near in a panic over that!
quote.....I haven't had anyone be able to touch the rate that I get through Farm Bureau.
Posted 2009-02-25 10:41 PM (#100179 - in reply to #100135) Subject: RE: Insurance
Expert
Posts: 1351 Location: Decatur, Texas
The Farm Bureau here in Texas is HIGHER on everything and they are the ones that priced me DOULBE to insure our cab/chassis truck! (they told me it was commerical vehicle)
We moved everything to Rain and Hail out of CA, but we have a agent here local. The first LQ with insured with them was valued at 53-k and the cost was right at $900. per year full coverage.
We even got a better price through Farmers than we did with Farm Bureau...
Posted 2009-02-26 10:25 AM (#100201 - in reply to #100115) Subject: RE: Insurance
Elite Veteran
Posts: 714 Location: Minnesota
HTB- Just curious, are trying to insure your cab/chassis through your business or as a personal vehicle? If it's through your business that would be the reason for commercial classification. My $40-k LQ insured with AMFAM costs a bout $450 / year.
Posted 2009-02-26 12:23 PM (#100221 - in reply to #100169) Subject: RE: Insurance
Expert
Posts: 2828 Location: Southern New Mexico
I use Farm breau and have never heard of the 150 mile clause so I called my agent. He asked if you have them registered as farm vehicles with the state? If you do that may be where the 150 mile rule came from. Farm breau is a nation wide insurance company and will cover you any where in the states.
Posted 2009-02-26 2:02 PM (#100226 - in reply to #100221) Subject: RE: Insurance
Member
Posts: 10
Location: Springtown, Texas
Originally written by Terri on 2009-02-26 12:23 PM
I use Farm breau and have never heard of the 150 mile clause so I called my agent. He asked if you have them registered as farm vehicles with the state? If you do that may be where the 150 mile rule came from. Farm breau is a nation wide insurance company and will cover you any where in the states.
Same here as above, I have all my stuff with the Wise County Farm Bureau in Decatur TX. and one of my tucks is farm truck tagged and I just looked and did not see anything about a 150 mile clause in the policy. HTB - maybe you need to talk to a different agent there.
Posted 2009-02-26 9:33 PM (#100258 - in reply to #100201) Subject: RE: Insurance
Expert
Posts: 1351 Location: Decatur, Texas
Personal vehicle, we are being told since the truck is manufactured as an incomplete vehicle it is a commerical vehicle, so we tried the 08 Ford F-450 since they come with a factory dually bed and FB in Wise County said it would still be commerical!
I would like to check on AMFAM, we was priced around $450. per year on horse trailer but was told it will not cover the LQ just a basic horse trailer.
Who is AMFAM and do they insure everything? home, barns, truck, car, trailers and tack?
Posted 2009-02-27 7:19 AM (#100269 - in reply to #100169) Subject: RE: Insurance
Location: Where the wind comes sweepin' down the plain...
Originally written by brushycreekranch on 2009-02-25 6:39 PM
I thought the exact same thing just to find out that farm use trucks and trailer have a 150 miles radius claus! I ended up having to move my two trailers and the the two trucks that pull them to different insurance carriers. I can thank the knowledgeable folks on this forum for suggesting that my Farm Bureau rates seemed way too low and that maybe I should check into what exactly is covered. Then, this 150 mile radius thing came up and I was scrambling to get the "proper" coverage. I average about 25 to 35K trailer towing miles a year and was damn near in a panic over that!
quote.....I haven't had anyone be able to touch the rate that I get through Farm Bureau.
I saw that same post (I think) and checked into mine at the time. I had one truck that had a farm tag, and everything else had personal tags. My agent, who we have been with for years, informed me that the only time that I would run into an issue is with the farm tag. Farm tags are good only for 150 miles. Everything is tagged personal now. My rates with Farm Bureau are cheap, but they have the house, the barns, the cars and trucks, the trailers, everything....when you total it all up...
Posted 2009-02-27 8:00 AM (#100272 - in reply to #100115) Subject: RE: Insurance
Elite Veteran
Posts: 795 Location: Tenn/Ala.
Interesting. In Tenn, the "personal tags" are only good through 9,000# combined weight. Past that, the truck will go as either business or farm. My 20,000# business tag for my 1 ton cost me a little over $300. per year. As a farm vehice, it would be less than 1/2 that.
Posted 2009-02-27 9:18 AM (#100284 - in reply to #100269) Subject: RE: Insurance
Location: Central Arkansas
I have my house, farm, barns, all farm equipment with AR Farm Bureau. My trucks are all over the 10K weight limit so they carry weight tags to be road legal with even the smallest trailer. So, the branch manager explained it to me that if the tag is 10K or over, it is not elgible for the farm vehicle rate unless it stays within the 150 mile radius of the farm with no more than 4 exceptions a year of up top 250 miles. All my trucks have been bought new and placed on the f schedule (IRS). They are for farm use only and do not get used for personal use. We have personal non farm related vehicles also.
Now, how do I get the right answers if my FB branch is wrong?
Originally written by Tresvolte on 2009-02-27 7:19 AM
I saw that same post (I think) and checked into mine at the time. I had one truck that had a farm tag, and everything else had personal tags. My agent, who we have been with for years, informed me that the only time that I would run into an issue is with the farm tag. Farm tags are good only for 150 miles. Everything is tagged personal now. My rates with Farm Bureau are cheap, but they have the house, the barns, the cars and trucks, the trailers, everything....when you total it all up...
Posted 2009-02-27 9:31 AM (#100286 - in reply to #100115) Subject: RE: Insurance
Location: KY
RT
Does that mean every dually in the State of TN should be carrying weight tags? The GVWR on our dually is 12,000 (without anything hooked to it). I am thinking most every dually would be in that weight area. Just curious.
Posted 2009-02-27 10:40 AM (#100291 - in reply to #100284) Subject: RE: Insurance
Location: Where the wind comes sweepin' down the plain...
Originally written by brushycreekranch on 2009-02-27 9:18 AM
My trucks are all over the 10K weight limit so they carry weight tags to be road legal with even the smallest trailer. So, the branch manager explained it to me that if the tag is 10K or over, it is not elgible for the farm vehicle rate unless it stays within the 150 mile radius of the farm with no more than 4 exceptions a year of up top 250 miles. All my trucks have been bought new and placed on the f schedule (IRS).
Maybe the difference is the in AR you are running weighted tags? Not sure on that. In order to run weighted tags in OK you have to run a Comm Tag. I know here if I run a Comm Tag on mine FB will only cover me in a certain radius. Unless it is commercial, and then they won't cover me at all.
Posted 2009-02-27 10:59 AM (#100292 - in reply to #100115) Subject: RE: Insurance
Elite Veteran
Posts: 714 Location: Minnesota
HTB- AMFAM is short for American Family. Like I have said before, all my insurance is with them. Farm, Auto, LQ trailer (as an RV). They actually even have separate auto policies for my two twenty year old sons. They have their own policies but are all under my account giving them the multiple vehicle discount as well as the supporting coverage (farm) discount. Maybe it's just my agent, but he really works for me. I originally went there because he was able to give us coverage when we had our stud and were breeding mares. A lot of companies wouldn't do that. Even had one agent tell me that he wouldn't tell the company I had the stud, but he would make sure I was covered. I asked him to put his own one million into an escrow account first. Then I ran out of his office. With my Am. Family agent the stud was listed right on the policy as such for his value and for liability.
Posted 2009-02-27 11:51 AM (#100298 - in reply to #100115) Subject: RE: Insurance
Elite Veteran
Posts: 781 Location: La Cygne, KS
For insurance on the LQ trailer, make sure you have the tack and LQ stuff covered on your homeowners policy or add a seperate policy to cover these items. Make a list and take picures of all your tack. Save reciepts on new tack purchases and keep a total cost of all tack and equipment that is contained in the trailer. This info will make life much easier in case your tack or trailer is ever stolen.
Insurance
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