This question was answered based upon current rules, regulations & statutes in effect on April 02, 2019
Happy Spring Irene:
It came up in conversation with an underwriter from a particular insurance company that if a travel trailer is parked for the season (April-October) at a campground, that the trailer would be considered a “residence” so physical damage would be excluded from the auto insurance policy. He told me that there is an exclusion in the mass auto policy. I can’t find it, I see trailers mentioned in the definitions section, when I asked him to show me where it’s excluded this was the response I received
We’ve been advised by claims that once a trailer is at a seasonal site at a campground, it’s considered a residence. If it weren’t being kept there and they were trailering it every weekend, that would be considered recreational.
I figured it was an easy fix, we can just do a standalone Foremost policy to cover the trailer, but they keep it on the Cape which is a restricted area for them. Do you have any experience with this or have been asked “what do I do” I get different responses from different company underwriters on this. Any input you can give would be appreciated! Thank you.
Irene Morrill: I guess they are interpreting that it is NOT an “auto” and if it is not “an auto” ..it is not YOUR auto …and therefore there is no coverage4. Auto – means a land motor vehicle or trailer but does not include:
- Any vehicle operated on rails or crawler treads.
- Any vehicle or trailer while it is located for use as a residence or premises. We will consider such a vehicle to be an auto while it is being used on public roads or for recreational use.
- A farm tractor or other equipment designed for use principally off public roads. We will consider a tractor or other equipment to be an auto while it is being used on public roads.
- Any vehicle not subject to Massachusetts Motor Vehicle registration such as a moped, dirt bike, mini-bike, snowmobile or an all-terrain vehicle (ATV).
I guess keeping trailer at campsite entire summer season is no longer “recreational” … I don’t know if I agree with that. If they bring it in May and home in October …I think they are “harsh”.
If they keep it all year round …then I’d agree.
Talk to supervisor
Kathy Cormier: I’m not sure if Judy Carlson can help with this or not...Judy is with Number One and works with the Toys Program...Judy is this something you can help with?
Judy Carlson/Number One Insurance Agency: I agree with Irene and I am seeing more carriers are getting out of insuring trailers for any length of time when kept at a campground. The thought behind it I think is because of the possibility it ending up there permanently and then the carrier is in dark about it. The only one I know of the offers full standalone coverage is Foremost.
Some carriers underwriting guidelines go by how many days a trailer may be used as a residence and anything above a certain time would not be eligible for coverage but even those are few. Which is the case with Safeco who we write recreational coverage with. If insured has a residence in MA and the campground is in MA, we may be able to take a look at the risk as long as it is not kept at the campground for over 250 days and it goes back to the insured’s premises.
However, if this is a travel trailer – it will be only for physical damage. There will still be no liability afforded to the trailer while it is parked at the site.
Irene Morrill: If owner has a HO policy an unattached trailer is covered it they bring it in May and home in September/October then it can’t be considered another residence.
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