Hi Everyone. Well, after 15 years the RV-Dreams Community Forum is coming to an end. Since it began in August 2005, we've had 58 Million page views, 124,000 posts, and we've spent about $15,000 to keep this valuable resource for RVers free and open. But since we are now off the road and have settled down for the next chapter of our lives, we are taking the Forum down effective June 30, 2021. It has been a tough decision, but it is now time.


We want to thank all of our members for their participation and input over the years, and we want to especially thank those that have acted as Moderators for us during our amazing journey living and traveling in our RV and growing the RV-Dreams Family. We will be forever proud to have been founders of this Forum and to have been supported by such a wonderful community. Thank you all!!

Members Login
Username 
 
Password 
    Remember Me  
RV-Dreams.com Home -> RV-Dreams Community Forum -> Money Stuff -> Best Insurance for motorhomes???
Post Info TOPIC: Best Insurance for motorhomes???
BMiller


RV-Dreams Community Member

Status: Offline
Posts: 21
Date:
Best Insurance for motorhomes???
Permalink  

After 2 years of dreaming, researching and hesitating.. we finally found the motorhome we simply could not walk away from... WE BOUGHT it!  We have 1 year now before we can full time.  Anyway the question is .... what is a good insurance company to insure the beast we bought...



__________________

Ken and Rebecca
Terry and Jo


RV-Dreams Family Member

Status: Offline
Posts: 5399
Date:
Permalink  

Rebecca,

While I don't have the immediate answer to your question, you may want to check with an insurance broker, one that deals with numerous insurance companies to get your answers.  Whomever you check with, whether they be a broker or an individual company, be sure and inform them that you will be full-timers.  There are some insurance companies that refuse to insure RV's for full-timers.

Howard and Linda (and some others) have used Miller Insurance out of Oregon.  Here is Howard and Linda's RV Insurance Page, which has a link to Miller's.

Also, consider Good Sam because I think they have gone to being a broker for insurance companies as well.  While some have touted GMAC as a good company, when I checked with them, they were about double the cost as all the other companies for our rig.  (Truck and fifth wheel)

Good luck with the research and planning, and congratulations on the purchase of the RV.

Terry



__________________

Terry and Jo

2010 Mobile Suites 38TKSB3
2008 Ford F450
2019 Ford Expedition Max as Tag-along or Scout

Our photos on Smugmug
lindy


RV-Dreams Family Member

Status: Offline
Posts: 116
Date:
Permalink  

Just got insurance on a 2012 Journey from Good Sam thru GMAC. When combined with our 2 vehicles I felt the cost was good. The policy has full replacement value for 5 years. By it's self the MH ins. was around $1100 a year. With our 04 Subaru and 08 Dakota added the whole policy was $1440, the MH price dropped to around $750 with the other veh's added to it.

__________________

2012 Winnebago "Journey To Insanity" 40U

2008 Dakota 4x4

2004 Subaru Baja -DW's

2005 Honda Shadow Aero - TOAD for now.
GENECOP


RV-Dreams Family Member

Status: Offline
Posts: 1417
Date:
Permalink  

Definately check with Progressive......they seem to be very popular with RVers.......

__________________
GOING FOR IT
The Bear II


RV-Dreams Family Member

Status: Offline
Posts: 1337
Date:
Permalink  

We went with Progressive through Poliseek. They specialize in finding the best policies for RVers.

__________________

"Small House, Big Yard "

"May the FOREST be with you"
Alfa See-Ya 5'er and 2007 Kodiak C4500 Monroe
janni


RV-Dreams Family Member

Status: Offline
Posts: 393
Date:
Permalink  

I had our coach insured through Safeco. Had not checked with Progressive at that time but now have the TT and destination trailer insured through Progressive.

__________________
Terry and Jo


RV-Dreams Family Member

Status: Offline
Posts: 5399
Date:
Permalink  

Over on another forum where I participate, one of the members is telling how he's getting really poor service from GMAC.  Apparently, they keep sending out adjusters that deal with automobiles to look at and evaluate the damage to his roof on the RV.  The latest "adjuster" to look at it said that they should be able to fix the roof with a $1000.

His conversations with 2 or 3 different places that actually repair the roofs say that $1000 is nowhere near enough to cover the costs.

This is not my own personal observations and who knows how truthful the poster on the other forum is with respect to his problems, but it is something to consider and do some research on.

Terry



__________________

Terry and Jo

2010 Mobile Suites 38TKSB3
2008 Ford F450
2019 Ford Expedition Max as Tag-along or Scout

Our photos on Smugmug
PIEERE


RV-Dreams Family Member

Status: Offline
Posts: 1395
Date:
Permalink  

I've had GMAC insurance since 2004 continuous, never had a problem with claims. An $1800 awning replaced from hurricane wind damage, two windshields and never a rate increase from it. PIEERE

I have liability and Comprehensive and the rate is good.

__________________

Life is too short. Live it Now!

Currently at Shady Acres RV Park   Lebanon; Tennessee

http://1Irishrover.blogspot.com

 
bjoyce


RV-Dreams Family Member

Status: Offline
Posts: 3722
Date:
Permalink  

We had Progressive during our pre-fulltime Rving and then a couple years of fulltiming. The one claim was handled well, which was pre-fulltime. One day we got a notice we were not eligible for their lowest rates and would be getting an increase. After some investigation it turned out they had retroactively decided we needed a credit card older than 25 years, a new requirement to get their lowest rates. We couldn't fix this new requirement without a time machine, so we were a bit irritated.  We called our broker, Farm and City, http://www.fcisinsurance.com/rv-advantage.asp , and they said this was a tactic ("scam" in my mind) Progressive was using to raise rates on many existing customers.  Farm and City moved us to Allied (National Interstate), the rate was better, and we have been with them for many years.  My view is don't focus on the insurance company, get a broker that understands RVs that will help you change insurance if your insurance company goes wacky.



__________________

Bill Joyce,
40' 2004 Dutch Star DP towing an AWD 2020 Ford Escape Hybrid
Journal at http://www.sacnoth.com
Full-timing since July 2003
BMiller


RV-Dreams Community Member

Status: Offline
Posts: 21
Date:
Permalink  

Thank you everybody for responding. We take delivery on the motorhome on Friday. So excited... Now we are all confused about the warranty issue!

__________________

Ken and Rebecca
Page 1 of 1  sorted by
 
Quick Reply

Please log in to post quick replies.
RV-Dreams.com Home -> RV-Dreams Community Forum -> Money Stuff -> Best Insurance for motorhomes???
Tweet this page Post to Digg Post to Del.icio.us