Tire and Wheel Protection Our Tire and wheel protection plans help secure your customers’ tires and wheels from hazards of the road. Our dealer tire and wheel programs will keep your customers driving safely with protection that repairs or replaces tires and/or wheels along with the associated costs of labor with no deductible. Customer Benefits with tire and wheel coverage: If a covered tire is damaged due to a road hazard it will be repaired or replaced If a covered wheel is unable to maintain a proper seal with the bead of the tire due to damage caused by a road hazard it will be repaired or replaced Choose between 3-year and 5-year terms Up to $100 reimbursement for towing assistance when directly related to a covered failure Coverage is transferable if the vehicle is sold There is no deductiblePlease help us improve your experience on our site by taking a short survey. This survey is intended to get your feedback on this most recent visit.

This survey is conducted by an independent company, Qualtrics. OR FIND AN AGENT What to Look For in a 5th Wheel Insurance Policy The biggest mistake many fifth wheel owners make is insuring their rig on an auto policy. At claim time, they may discover they don't have the specialized coverages they need. And that can be a very unpleasant surprise! Here are some of the myths and realities that you may want to consider when looking for an insurance policy for your fifth wheel: Coverages Included With Your Policy Here are some of the fifth wheel coverages we offer that aren't included in a typical auto policy: Comprehensive Coverage for protection from just about any direct, sudden, and accidental loss, including: collision, fire, smoke, floods, landslides, hail, windstorms, animals, vandalism, low branches or overhangs, theft and lightning. Coverage for Attached Accessories, including awnings, satellite dishes and TV antennas. Farmers offers important optional coverages that let you customize your policy.

Some coverages may be subject to company approval or may not be available in all states. These are a few of the most popular coverage options: Total Loss Replacement Coverage that protects your fifth wheel from the effects of depreciation. If your new-model fifth wheel is destroyed within its first five model years, and you're the original owner, we'll pay to replace it with a brand new one of similar kind and quality - no matter what it costs as long as you replace the fifth wheel. Names For Male Stray CatsIn years six through ten, we'll give you up to what you paid for it originally toward the purchase of another fifth wheel.Mirrored Bedside Table Uk This option can save you literally thousands of dollars when compared to typical auto policies, which pay only the Actual Cash Value (ACV) of your fifth wheel at the time it's destroyed. Curtains And Drapes On Clearance

That's the current value of your fifth wheel. Emergency Expenses Coverage that pays for lodging or travel home if your rig is damaged or destroyed by a covered loss more than 50 miles from home. Campsite/Vacation Liability Coverage that provides liability coverage when you are parked and using your fifth wheel as a residence. Replacement Cost Coverage on personal belongings that are destroyed or stolen. TraveLine® Towing and Roadside Assistance eliminates the hassle of buying a separate towing plan. Towing, jump starts, roadside service, flat tire changes, fuel delivery, and locksmith services are just a toll-free phone call away. There are no out-of-pocket payments required, either. Just sign and drive. What's more, your fifth wheel - and your tow vehicle - are covered, regardless of who is driving! Full-Timer Coverage that provides liability protection very similar to a homeowners policy. While an auto policy will only provide liability protection when you are on the road, a Farmers Full-Timer policy covers you when you are parked and using your rig as a residence, too.

A special option for fifth wheelers is that we can insure your medium duty tow truck you use to tow your fifth wheel travel trailer, provided the medium duty tow truck's GVWR exceeds 10,000 pounds. Our Special Program for Stationary fifth wheels gives you extensive comprehensive and contents coverage if you use your fifth wheel as a seasonal or permanent residence. This includes liability coverage that covers liability, medical payments to others, and property damage claims caused by an accident for which you are held liable. This program provides you with additional protection since your auto or homeowners policies may not extend coverage to you. Policy discounts vary by state and chances are one or more will apply to your policy. Please contact a Farmers agent for a Fifth-Wheel insurance quote and see what specific discounts are available in your area.It really, REALLY is not worth the risk There's a whole world of auto enthusiasts out there:  People to whom their automobile is an expression of and extension of their personalities. 

Modifications to the vehicle may be a way to personalize it and make it show-worthy.  Typically you're talking about paint jobs, custom wheels, stereos, bodywork and custom interiors.  Then there are the go-fast guys:  Turbos, blowers, strokers, bushings, coilovers, big brakes.   The list is endless. Typically, the mods done to the car don't get reported to the insurance company.  Truth be told, most insurance companies have no love for modified automobiles.  The reasons for this aversion would take up enough space for an entirely different article.  Enthusiasts are well aware of the industry's attitude and often just keep quiet and hope for the best. If you fail to report your mods on your insurance application, you can be tagged for "material misrepresentation".  You risk having a claim refused at a time when you need financial protection the most. You are entering into a contract with the insurance company when you take out a policy.  They have certain obligations to fulfill and so do you. 

Being truthful to the company about the details they ask for is one of your contractual obligations. If either party fails to hold up their end of the bargain, there's going to be trouble.  Here's an ugly example: Mercury Insurance Company v. Markham started as an accident in 2002. It began wending its way through the court system in 2009, went to appeal in 2010 and still isn't done yet. Mercury was initially found liable by the trial court for wrongly refusing coverage due to its conclusion that the term "modified" was ambiguous.  However, on appeal judgment was reversed when the appeals court stated "We conclude that there is no objectively reasonable interpretation of “modify” that would justify Roberts' negative answer to this question. Where, as here, neither the application form, nor the policy incorporated by reference therein, defines “modify,” we interpret the word in accordance with its plain and ordinary meaning as reflected in the dictionary" read the entire decision here

The appeals court handed the case back and left the door open for a separate trial - The insurance agent knew all along that the vehicle was lifted but wrote the coverage anyway. Mr. Markham's attornies could attempt to make the argument that he is entitled to the proceeds of the policy because the agent is an agent of the company and put Mercury on the hook, so to speak. At this time it does not appear the case went any further through the court system. What if this were you?  Lets assume that the settlement never happened and it was you still fighting with your insurance company, trying to get them to provide coverage.  Is this what you buy insurance for?  Are you ready for a fight like this?  Chances are the answers to those questions is 'no'. Its easy:  Tell your insurance company about your mods.  Yes, it is true this is where the easy part probably ends.  A lot of companies could run away at this point... but at least that will happen before disaster strikes, not afterwards like the gentleman whose story is told above.