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Towing coverage for breakdowns

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Old Apr 19, 2026 | 02:23 PM
  #16  
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Originally Posted by Keokie
If you have conversations with actuaries, they will show you how insurance and warranties will almost certainly cost you more than self-covering. However, if you end up on the wrong side of the odds, you can pay far, far more.

I carry significant insurance including an umbrella policy. I am buying peace of mind that I can afford. I understand the numbers and why I am doing it.
I agree. There is absolutely nothing wrong with carrying insurance. I recognize that I have likely saved far more money by not carrying insurance or purchasing additional warranties but for me it is more about not wanting to focus on what might go wrong. I just don’t let stuff concern me until I have to be concerned about it. So for instance I am running 15 year old tires on my 5ver. They look like new… they’ve virtually never been out side and so far I’ve never had a problem. Some people would have replaced these tires twice already….. just for insurance. If I end up with a flat tire …. I’ll deal with it then.
 
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Old Apr 22, 2026 | 11:07 AM
  #17  
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Originally Posted by 4by4ord
Why worry about something that’s probably never going to happen?
That was EXACTLY what the Soviets thought prior to the Chernobyl explosion. Look where that got them...

The level of risk associated with a vehicle or a house all but DEMANDS that, unless you're independently wealthy, you carry insurance on those items. Unless you find the thought of one bad circumstance leaving you homeless and without wheels to be enticing, I guess.
 
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Old Apr 22, 2026 | 12:55 PM
  #18  
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Originally Posted by 99powerstrokedF250
That was EXACTLY what the Soviets thought prior to the Chernobyl explosion. Look where that got them...

The level of risk associated with a vehicle or a house all but DEMANDS that, unless you're independently wealthy, you carry insurance on those items. Unless you find the thought of one bad circumstance leaving you homeless and without wheels to be enticing, I guess.
You’re absolutely right, I would think most home owners are going to either be required to carry insurance, or at least feel the need to insure their home. Vehicles and RVs are a little different. It wouldn’t surprise me to discover many people who have an insignificant percentage of their net worth tied up in depreciating assets like RVs and vehicles.
 
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Old Apr 23, 2026 | 04:55 PM
  #19  
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Originally Posted by cpobst
We're starting to take longer trips farther from
home. Started thinking, what if we have a breakdown? I need to call State Farm and see if our 5th wheel would have coverage. Just curious what others use or have experience with?
call your agent for sure

my insurance covers trailers hooked to my pickup, and I have roadside assistance / towing on my camper policy (my insurance company does not cover campers or boats)

some folks say it’s not worth it (an extra $6 a year for additional peace of mind) but totally up to you
 
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Old Apr 23, 2026 | 04:57 PM
  #20  
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Originally Posted by STOFFERJ
call your agent for sure

my insurance covers trailers hooked to my pickup, and I have roadside assistance / towing on my camper policy (my insurance company does not cover campers or boats)

some folks say it’s not worth it (an extra $6 a year for additional peace of mind) but totally up to you
I did find out that emergency roadside assistance was already part of my insurance coverage for our 5th wheel through State Farm. It actually includes quite a bit of perks.
 
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