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Old 07-27-2016, 03:54 PM   #1
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Join Date: Jul 2016
Location: stittville
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Default toterhome insurance with a 40ft 5th wheel

I have blue sky. not happy. I park my toterhome and 5th wheel in NY and have them registered in florida. I travel to and from a few times a year. I do travel sometimes with just the toterhome and then other events I use the toterhome and 40ft 5th wheel toy hauler. having trouble finding an insurance company that will insure a toterhome with a 40ft 5th wheel toy hauler. several have flat out said no. suggestions please.
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Old 07-30-2016, 08:38 PM   #2
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Location: Where my trailer is sitting!
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I was talking to my agent about getting an HDT and he said it would be about $1000 a year for insurance. He just quoted it off the top of his head, so I have nothing to prove one way or another, but State Farm apparently has no problem writing a policy.

For now 1996 Dodge Ram 5.9 Cummins 365HP 830TQ pulling a 2006 28' Dutchmen Fifthwheel and at times a 16' boat behind that!
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Old 07-31-2016, 08:22 PM   #3
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Posts: 527

I have state farm on my mdt toter. When I bought it, it was just a cab chassis. Told my (long time) agent what I was building, he kind of scratched his head, called it a box truck, and assured me that any attached trailers were covered under the truck liability policy (full trailer coverage is a separate policy of course). My premium is about $600 per half, and is also rated for business use as I originally pulled a 40' race trailer for my business with the truck. Now we only use it for the 5th wheel camper anyway. Getting them to cover the actual value of a custom built toter may be trickier, in my case the truck is not that expensive, and if they write me a check for what a box truck is worth in the event of a total loss I would be satisfied. In my case not worth the hassle of a stated value type policy, might be in your case.

Separate note: as a car guy myself, I am betting that at times you are transporting cars that you are going to put up for sale at a show, or cars you just bought at a show to resell, or cars for other folks (even if you are hauling for a buddy). This could certainly be construed as a business use of the vehicle in the event of an insurance company trying to deny a claim, so I would make sure you are covered for business use with your insurer. I know in my case it was not that much extra. This should not affect your dot rules unless you do have a legitimate business related to your cars (in which case you need usdot numbers anyway), you will just be sure to tell the friendly dot officer you are a hobbyist in a registered rv, and not a commercial truck. They don't check the details of your insurance.
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Old 08-24-2016, 02:19 PM   #4
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Join Date: Aug 2011
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Can anyone recommend an insurance company that will insure an HDT truck used to pull a fifth wheel camping trailer? I am looking for stated value coverage because I will have much more invested than is shown in a Blue Book. Thanks!
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Old 08-24-2016, 05:59 PM   #5
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Location: Tomball
Posts: 1,414

we had blue sky for several years and they took a rate hike that was nearly double.
we added the coach to our allstate (auto policy) with out problem - and iirc we are about 900 a year full coverage on 100k in value
Don R.
'04 Haulmark (M42386) 42', 2 slide, 10kw - Pictures
'04 F350 CrewCab Longbed 4x4, 50g aux tank & gear vendors dbl over
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Old 04-04-2021, 08:12 PM   #6
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I'm in NY and we called Lazy Days down in FL and they hooked us up for about $900 a year for truck and 40' 5th wheel and when we put it in storage for the winter it went down about $400 so it was a good savings but this past year we couldn't because NY stopped storing regular plates and only do vanity plates.
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