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Post by laknox on Oct 24, 2019 23:01:04 GMT -5
Anyone here own or work at an RV dealer and can check the "blue book" or recent auction prices for my rig? Insurance is coming up and I need to know if I should drop the insured value at all, or not. I have not found a single used Durango 1500 277RLT around, other than new '19. TIA!!!
Lyle
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Post by kaboom on Oct 24, 2019 23:46:06 GMT -5
Try looking up your RV value on NADA www.nadaguides.com/RVs. Most insurance company's use this as a guide, at least in the motorcycle industry anyways. I tried looking yours up but was not sure of the year, options and your zip code. I did look at a 2018 Durango 1500 277RTL in my zip code, base price without any options showed list value $52,241. Low Retail $32,150 and Average retail $38,750. Some insurance company's also look at the Kelly Blue Book Values and then average the two. This is not the dealer trade in values. Those will be significantly less. Hope this helps. |
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Post by laknox on Oct 25, 2019 10:56:53 GMT -5
Try looking up your RV value on NADA www.nadaguides.com/RVs. Most insurance company's use this as a guide, at least in the motorcycle industry anyways. I tried looking yours up but was not sure of the year, options and your zip code. I did look at a 2018 Durango 1500 277RTL in my zip code, base price without any options showed list value $52,241. Low Retail $32,150 and Average retail $38,750. Some insurance company's also look at the Kelly Blue Book Values and then average the two. This is not the dealer trade in values. Those will be significantly less. Hope this helps. Thanks, Kaboom. I'm insured a bit above low retail, so that's where I'm leaving it, for now. I did use NADA, but was hoping to find some actual sales #s for more "real world" info. I was in the high-end watch business for 15 years, and we daily used Sotheby's, Christies, Bonham's and several other major auction sites to get pricing for used watches, no matter what others were "asking". FWIW, mine's a '17, pretty plain jane, with only 1 AC. Only "mod" is 2 6v batteries instead of the single 12v. Lyle |
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Post by Chuck on Nov 4, 2019 11:47:43 GMT -5
What our trailer is valued at is one thing, what it is insured for with USAA is another thing  The value is about 8k to 10k less depending on what part of the country you are in than what we owe for total replacement  Even thought we have to insure the trailer for what we owe on it the replacement value is far, far less ... That dozen't count for the MorRyde Suspension or pin box, upgraded rims an tires, that's all on me Ugh !!! So the way I look at it, if it burns to the ground or falls apart along side the road they can have the frame or whats left of it Ugh !!! Safe Travels Chuck |
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Post by laknox on Nov 4, 2019 23:41:57 GMT -5
What our trailer is valued at is one thing, what it is insured for with USAA is another thing The value is about 8k to 10k less depending on what part of the country you are in than what we owe for total replacement Even thought we have to insure the trailer for what we owe on it the replacement value is far, far less ... That dozen't count for the MorRyde Suspension or pin box, upgraded rims an tires, that's all on me Ugh !!! So the way I look at it, if it burns to the ground or falls apart along side the road they can have the frame or whats left of it Ugh !!! Safe Travels Chuck Last I knew, if you can provide receipts for the mods, especially if it's a mod that could be added as a factory option, it should be covered. Lyle |
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Post by Chuck on Nov 7, 2019 9:50:01 GMT -5
Lyle I'm sure your right but I'm not going to test it LOL, I know the last time we had a accident they paid the car off which was three years old an gave us 10K toward a new Toyota Highlander, not much considering the new Highlaander was $40k Safe Travels Chuck |
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Post by Edd505 on Nov 8, 2019 12:05:36 GMT -5
Wounder how the insurance would cover the things inside & stored in the basement? Mines ready to roll all the time, add meds & fresh groceries, we are on the road in an hour or so.
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Post by laknox on Nov 8, 2019 23:32:54 GMT -5
Wounder how the insurance would cover the things inside & stored in the basement? Mines ready to roll all the time, add meds & fresh groceries, we are on the road in an hour or so. Probably the same way they'd cover stuff in your house, unless you specifically schedule it. Personally, I'd keep an inventory of the major items (tools, spare parts, jacks, compressors, etc.) that you carry, both in storage and in the trailer with you. Lyle |
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Post by Edd505 on Nov 9, 2019 19:38:19 GMT -5
Probably the same way they'd cover stuff in your house, unless you specifically schedule it. Personally, I'd keep an inventory of the major items (tools, spare parts, jacks, compressors, etc.) that you carry, both in storage and in the trailer with you. Lyle Had to do that years ago when my someone burned my shop down. Insurance would not accept set of wrenches, set of sockets, etc, they wanted sererate listings on each piece.  |
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Post by nvguy on Nov 9, 2019 22:02:41 GMT -5
Probably the same way they'd cover stuff in your house, unless you specifically schedule it. Personally, I'd keep an inventory of the major items (tools, spare parts, jacks, compressors, etc.) that you carry, both in storage and in the trailer with you. Lyle Had to do that years ago when my someone burned my shop down. Insurance would not accept set of wrenches, set of sockets, etc, they wanted sererate listings on each piece. That stupid policy cost my insurance company lots more when my service truck was broken into and they stole my top service tray. OK, fine so you wont accept a claim for a $39.00 socket set, Ok then here you go. I priced each socket, ratchet, U joint individually. So, this "set", when priced per item ends up costing the insurance company something like $90.00. Took a bit of time to price each item, but covered my deductible. |
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Post by laknox on Nov 14, 2019 11:34:37 GMT -5
Probably the same way they'd cover stuff in your house, unless you specifically schedule it. Personally, I'd keep an inventory of the major items (tools, spare parts, jacks, compressors, etc.) that you carry, both in storage and in the trailer with you. Lyle Had to do that years ago when my someone burned my shop down. Insurance would not accept set of wrenches, set of sockets, etc, they wanted sererate listings on each piece. At least, if you sifted through the ashes, the stuff was still there, unless it was stolen before the fire. I have a goodly portion of my stuff scheduled since my policy only gives minimums on stuff like artwork, jewelry, guns, etc. One reason to have an NRA membership is that you can buy insurance on them =outside= your home owner's and NOT have to ID each one. Many standard policies require the s/n of each piece. F dat! Lyle |
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Post by laknox on Nov 14, 2019 11:36:33 GMT -5
Had to do that years ago when my someone burned my shop down. Insurance would not accept set of wrenches, set of sockets, etc, they wanted sererate listings on each piece. That stupid policy cost my insurance company lots more when my service truck was broken into and they stole my top service tray. OK, fine so you wont accept a claim for a $39.00 socket set, Ok then here you go. I priced each socket, ratchet, U joint individually. So, this "set", when priced per item ends up costing the insurance company something like $90.00. Took a bit of time to price each item, but covered my deductible. That's called "malicious compliance"! Love it!  They can be such douchebags... Lyle |
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Post by nvguy on Nov 15, 2019 0:10:15 GMT -5
That stupid policy cost my insurance company lots more when my service truck was broken into and they stole my top service tray. OK, fine so you wont accept a claim for a $39.00 socket set, Ok then here you go. I priced each socket, ratchet, U joint individually. So, this "set", when priced per item ends up costing the insurance company something like $90.00. Took a bit of time to price each item, but covered my deductible. That's called "malicious compliance"! Love it! They can be such douchebags... Lyle Hmm, malicious compliance? I like that. Might have to change my screen name. To me, it means one didn't think through the repercussions of their request, AKA:Be careful what you ask for. |
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Post by laknox on Nov 15, 2019 10:24:25 GMT -5
That's called "malicious compliance"! Love it! They can be such douchebags... Lyle Hmm, malicious compliance? I like that. Might have to change my screen name. To me, it means one didn't think through the repercussions of their request, AKA:Be careful what you ask for. Go on Youtube and search out "malicious compliance". You'll get dozens of "narration videos" where people narrate stories posted on Reddit. Other themes are "entitled parents", "entitled people", "I don't work here, lady", "tales from tech support", "tales from the squad car", and on and on... :-) Lyle |
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Post by Chuck on Nov 16, 2019 13:19:39 GMT -5
Well I talked with USAA rep on the phone yesterday regarding these post 
They, the person on the phone stated that anything attached to or in the trailer was covered, this included the MorRyde Suspension, kingpin
They also stated that anything in the trailer was covered, including dishes, food, tools, inside an outside floor mats, folding chairs, water hose's, assorted water an electric couplers as long as I had a list of such
They also stated it would be a very good idea to take pictures of things an if possible keep receipts of such to prove you had such ... I have always kept receipts on most everything I buy for our trailer, only problem is that I keep them in a folder/box in the trailer  Guess maybe I should move them 
Safe Travels an happy camping 
Chuck
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Post by Edd505 on Nov 16, 2019 15:03:02 GMT -5
That's where mine are too chuck. In the folder with all the 5W manuals, if it's in or for the 5W that's where they live.
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Post by bluegrass2 on Nov 16, 2019 15:17:15 GMT -5
Thank you Chuck for your post. Reassured how we do things. We too have our 5th wheel under the truck policy with no added costs. We talked to our insurance rep. when we bought the 5th wheel, as it was more value than the TT, he said it didn't matter, if it is towed it is covered. Now, our 5th-wheel is not as high-end as some of the others, I assume value doesn't matter. Thank you for the heads-up too about pictures and receipts, our receipts are also in the 5th wheel with all the manuals....Hum, where to put them when on the road?  ? |
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Post by laknox on Nov 16, 2019 22:12:47 GMT -5
That's where mine are too chuck. In the folder with all the 5W manuals, if it's in or for the 5W that's where they live. Maybe you should invest in an inexpensive fire box if you're going to keep that kind of stuff in your trailer. Alternative would be to scan docs and pics into a pdf file and upload that file to Dropbox, or the like, so you could retrieve it from any computer. Lyle |
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Post by Edd505 on Nov 16, 2019 22:35:23 GMT -5
That's where mine are too chuck. In the folder with all the 5W manuals, if it's in or for the 5W that's where they live. Maybe you should invest in an inexpensive fire box if you're going to keep that kind of stuff in your trailer. Alternative would be to scan dics and pics into a pdf file and upload that file to Dropbox, or the like, so you could retrieve it from any computer. Lyle Good thought, it's going to have to be pretty good sized. I don't like traveling w/o the manuals as I never knw when you need to look something up. |
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Post by laknox on Nov 18, 2019 10:42:25 GMT -5
Maybe you should invest in an inexpensive fire box if you're going to keep that kind of stuff in your trailer. Alternative would be to scan dics and pics into a pdf file and upload that file to Dropbox, or the like, so you could retrieve it from any computer. Lyle Good thought, it's going to have to be pretty good sized. I don't like traveling w/o the manuals as I never knw when you need to look something up. Not talking the manuals, though it wouldn't hurt to scan those, too. If you did each one separately, the resulting doc should be easily handled. Also, you don't have to make them huge; can reduce the resolution to help keep them smaller. One thing I did find out from scanning b&w docs, was to scan them in =color=. Resolution's the same, but the result looks much better. I scan some business docs on a monthly basis and was frustrated on how crappy they looked, early on. One day, I needed scan something that was color and left the setting and scanned the b&w doc and it came out a =lot= better. Inventory could be either a Excel spreadsheet or a Word doc, and that's easy to do. Another thought would be to copy all your docs to a flash drive and keep =that= in a fire box as well as u/l'ing to off-site storage. If you can't tell, I'm a bit paranoid about backups, but not crazy. For our business, I have 2 separate external drives. One is plugged into the PC for a week, then swapped to the other one that's kept in a fire file. I also use Carbonite for backups on-the-fly. I =have= had to use both resources on occasions when computers have just...died...with no warning. Lyle |
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Even thought we have to insure the trailer for what we owe on it
They can be such douchebags...
?