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.


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Post Info TOPIC: Insurance Renewal - RV


RV-Dreams Family Member

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Posts: 197
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Insurance Renewal - RV


I just received our insurance renewal for our 5th wheel and was surprised by the 19.2% increase from Safeco through Miller Insurance.  I am wondering if others have experienced the same thing?  I have a call into Miller to discuss other options.  Would love to hear about any recent experiences from forum members.

I got a competitve quote from another RV insurance broker - but was not pleased with his responsiveness.  I'd perfer to stick with Miller - I feel they are responsive and really understand the RV insurance world - but a 19.2% increase seems excessive.

Barb



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Barb and Frank

2016 Landmark Key West

2016 Ram 3500/Cummins Diesel/4WD



RV-Dreams Family Member

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Posts: 1122
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Yes, we also got a big increase from National General. It appears that many companies have stopped insuring full timers, so those that remain are taking advantage of the decrease in competition ... we also use Miller as our broker.  If you learn anything of interest, let me know.  Loyalty to an Insurance Company is loyalty misplaced.  I'll change in second if a better offer comes along.



-- Edited by RonC on Friday 19th of April 2019 12:33:57 PM

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Ron and Janice

 

2016 Ford F350, King Ranch, DRW, 4x4, CC, 6.7 PS Diesel, remote control air lift system

2017 Durango Gold 381REF, Lambright furniture, MCD shades, morRYDE IS, 8K Disc brakes, GY G114  LR H Tires, 27,320 lbs CGVW

FT class of 2016



RV-Dreams Family Member

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We also got a big increase from National General.

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Winnebago TT 2101DS & 2020 Silverado LTZ Z71. 300 watts WindyNation solar w/MPPT, 2 Trojan T-125s. TALL flag pole. Prefer USFS, COE, BLM, USF&WS, NPS, TVA, state/county camps. 14 year Army vet-11B40 then 11A - old MOS 1542 & 1560.



RV-Dreams Family Member

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We renewed with National General via Miller back in October and we were also hit with a ridiculous 19.0% increase.

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Julie & Ray - FT Class of 2017

2018 Nexus Bentley 34B - 36' Class A DP



RV-Dreams Family Member

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Posts: 197
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We are working with Cheryl at Miller Insurance and she found two somewhat competitive quotes for us.  We are in the process of comparing the policies to make sure we are not giving anything up for a lower price.

Barb



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Barb and Frank

2016 Landmark Key West

2016 Ram 3500/Cummins Diesel/4WD



RV-Dreams Community Member

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Posts: 17
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We are full time RVers since 2016. We bought our first rv in 2014. We contacted Geico at that time and was told that they could insure our 5th wheel as long as we were not living in our rv full time. We were not at that time so we went with Geico for our RV, our F450 (this pulls our rv) and our F150 (which would never be able to pull our rv) and our motorcycle. When we went full time in 2016 we changed our F450 and our rv to a different company that would insure full timers. We left our F150 and our motorcycle with Geico. We even changed our address with Geico to our mailing address in South Dakota in 2016. No problems. I get a phone call from Geico today telling me that they didn’t like the address in South Dakota (three years later) and in order to keep my F150 insured at this address I would have to insure my RV with Geico. I calmly explained to the girl that the F150 does not pull the rv - the F450 does (which is not insured by them) and that Geico was not able to insure us full time. She was having none of of it. Insisting that we add our RV to the Geico policy or they would drop our F150 policy. She did not mention our motorcycle. I’m sure that cancelation is coming in the mail. She kept insisting that our F150 had to be parked at the South Dakota address EVERY night in order to use that address (unless our RV was also with Geico). I asked her if I was free to drive my vehicle anywhere in the U.S. and her answer was yes - as long as it was parked at my mailing address every Night! I asked her why Geico was blackmailing me into moving my RV with them when they told me in the past they would not insure full timers. She said she didn’t believe anyone from Geico would tell me that. And it was not blackmailing. I told her you can call it whatever color you want - it’s blackmail! Needless to say we are changing our F150 truck to our RV policy which is Progressive through Millers Insurance.
Geico has been awesome to work with in the past. I have even recommended them to others. Never again. Never again. I called Geico back to make sure that was not a fraudulent call. Ha - I got to talk to the same gal again. Lucky me. Steer clear of Geico if you full time.
🧘🏻‍♀️Gwen 🤦‍♀️



-- Edited by Jeff and Gwen on Friday 21st of June 2019 04:38:28 PM

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Jeff, Gwen and Bella

2017 DRV Mobile Suites 40 KSSB4

2012 DRV Mobile Suites 36 RSSB3 (sold)

2011 Ford F450 (BO)

2013 Ford F150 (Red)

Cargo Trailer for Gold Wing, Golf Clubs, Bicycles and Cast Iron Soup Pot!

 



RV-Dreams Family Member

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Posts: 5398
Date:

Wife has informed me that our insurance through Miller Insurance with National General didn't go up much at all.  I asked about coverage, and she said that it hasn't changed, so I don't know what the difference is.

By the way, on a recent trip to Idaho, we drove up to see and take pictures of the Columbia River Gorge.  While we were up that way, we went out of our way to go to Lake Oswego and visit with the folks at Miller Insurance.  Dang nice folks there.

Terry



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Terry and Jo

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

Our photos on Smugmug



RV-Dreams Family Member

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Posts: 1756
Date:

This year wasn't a big increase (SD domicile), but the past 2 years have been pretty large. We increased our deductible which helped a lot.

We did get a quote from another broker this year, one of the one mentioned on the RV Dreams site but they wouldn't quote the truck, just the 5th wheel. For the small increase that we received we decided we wanted to keep them insured together rather than under 2 separate policies.

Just one of those things we evaluate every single year and update as needed. We've gone through Millers since we went full time and we've changed providers once to keep the rates as low as possible. Millers has been good at providing options for us to consider.

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FT - July 2013

 

2010 38TKSB3 DRV Mobile Suites

2012 Ford F450

 

Dale and Ruth Travelling with Tazzy Kat!

 

IMAG0142_zps070d30d8.jpg

 

 

 

 

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