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Post Info TOPIC: Insurance


RV-Dreams Family Member

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Insurance
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I wanted to know which insurance company is the best for insuring a RV.

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Sams club or we have GMAC.
Southwestjudy



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Judy & Bob & 2blackdogs
www.mytripjournal.com/elitesuitestravels


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We have GMAC. Good rates with really good coverage for RV, especially if you're fulltiming. They also have a decent discount if you have an activated OnStar account, which we have on our toad.

-- Edited by Tylersamma at 15:41, 2008-12-12

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Compare prices with progressive. They have great deals on tow vehicle and trailer combinations.

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Larry
"Small House, Big Yard "
7 years to go to FT
Alfa See-Ya 5'er and 2007 Kodiak C4500 Monroe Pickup


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There are insurance agencies that specialize in RVs and they know their stuff better than most of us. We use Farm and City (RV Advantage) and have been very happy in six years of being their customer. We started with a Progressive policy, then Progressive changed what they covered for full-timers, then moved to National Interstate and last year they recommended moving to Allied so we did. I know Howard and Linda use Miller's Insurance and many use AON.

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Bill Joyce,
40' 2004 Dutch Star DP towing a 2012 AWD Chevy Equinox
Journal at http://www.sacnoth.com
Full-timing since July 2003



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Like bjoyce, I use Farm&City but have stayed with Progressive. No one else came close for my quote, unfortunately not even Miller. I don't have any claims, so I can't speak for that side of the equation, but the front side w/ Farm&City has been excellent.

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Thanks for the advice. I will look into your suggestions.

Coly

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I used Miller insurance and they were so much cheaper then all the insurance companies i contacted. I save   with them. Funny how each one of us come up with different quotes. It might have to do where we live, age etc.

Good luck.

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We use Gieco and have been very pleased with the rates and the customer service. They insure our two vehicles and our fifth wheel for replacement value. Which is important to us.

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Coleen Elkins

Full-time for the second time and loving it!

With one retired husband and one very energetic Border Collie

2004 Holiday Rambler Scepter

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I have Nationwide on my RV (and cars). It is very reasonable. But costs don't mean every thing. I had an accident with my previous MH (broadsided by a car driving at night where the driver forgot to put her headlights on). My MH incured over $20K in damage. Nationwide went to bat for me and my MH was repaired like new woth no cost to me or rise in rates.

They fought the other driver's insurance company for me and got the repairs covered. Initially it looked like I caused the accident, but their investigators proved otherwise. They could tell that the headlights were not on by examining the filiments of the smashed headlights.

Plus I've had two windshields replaced in the previous MH, with just the $100 deductable, no problem. The windshield cost over $1000 each time.

Best Regards!

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Paul D
2007 Winnebago Journey 39K, Cat C7
 AKA "R-SANITY III"
2003 Honda Element 4WD Toad
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www.rsanityrvtravels.blogspot.com


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This is just something to think about also,  if full-timing as we do you want liability for the rv, for instance if someone falls down your rv steps, you should have insurance just like you would carry on your stick and brick home.
southwestjudy


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I just received a quote from Good Sams club (GMAC) for a new Toyota Tundra and an Arctic Fox 27T using my present coverages as a guide, GMAC quote $1832.00 EVERY SIX MONTHS. Three times what I pay now. Think I'll stay where I am. I do have replacement cost on the TT with my present coverage. Just thought I'd throw this out there. My present insurer is Shelter.
Marty

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jcw


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We were with Progressive out of South Dakota. It was quite expensive, so we checked with Miller. They were able to put us with GMAC for a lot less. Thanks Howard!

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Be sure you have a fulltimers policy that covers your contents as well.

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Sandra


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Junkman,

Did you happen to look at the date on the post that you quoted? It's 6 years old. I would imagine a lot has changed since then.

Jim



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Jim and Linda
Full-timers from 2001 to 2013
http://parttimewithjandl.blogspot.com/ 
2006 Dodge 2500 Diesel pulling a Heartland 26LRSS TT
May your days be warm, and your skies be blue.
May your roads be smooth, and your views ever-new.



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Speaking from personal experience, I can tell you that low premiums are bait.  I know of one very well known company that charges the lowest premiums for business insurance in the market but they are notorious for denying claims.

 

Caveat emptor,

Openmind

 

  



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