Fiver insurance

A couple of years ago I got a little careless while towing on a narrow mountain road. I took a sharp curve too close to the edge and whacked my trailer pretty hard on a vertical rock wall. But I was lucky that my awning took the force of the blow, preventing body and interior damage. The awning of course was wrecked. I have my coach insured along with my pickup on my auto policy. The damage was covered, and I had no trouble having the awning replaced. End of cautionary tale, right?

Well, maybe not. I ran across an insurer that offers specialized programs including a fifth-wheel policy. So what does it cover that maybe the policy from my auto insurer doesn’t? That’s what I need to find out. In addition to the usual comprehensive stuff, their description lists coverages such as lodging expense if the rig is damaged, full-timer and campsite liability, stationary comprehensive, and even medium duty tow truck insurance. They also offer towing and roadside assistance. I think I need to dig into my current policy to see if I really have all the coverage I should have, get a quote on a fiver policy and compare.

Other insurers may also offer fifth wheel policies, but the program I found is described here. — Jerry Brown