EPDM Coatings
rvupgradestore.com Composet Products Custom Yacht Interiors

Author Topic: Insurance  (Read 1026 times)

DTM

  • ---
  • Posts: 24
Insurance
« on: September 17, 2017, 08:21:07 PM »
Any suggestions on where to get general insurance coverage for a Class A motorhome

Gary RV_Wizard

  • Forum Staff
  • ---
  • *
  • Posts: 62324
  • RVer Emeritus
Re: Insurance
« Reply #1 on: September 18, 2017, 08:54:24 AM »
Figure out what coverages you need and then get quotes form at least 3-4 insurers. An agency that specializes in RV insurance, e.g. Miller RV Insurance, can help, but get quotes form a few of the majors yourself. They are easy to find and you can request quotes online.
Gary
--------------
Gary Brinck
Summers: Black Mountain, NC
Home: Ocala National Forest, FL

JSplaine

  • ---
  • Posts: 134
Re: Insurance
« Reply #2 on: September 18, 2017, 09:01:41 AM »
Check out Safeco, they allow me to suspend driving coverage when it is stored.
2004 Beaver Monterey
2010 CRV

Wasoki

  • ---
  • Posts: 229
Re: Insurance
« Reply #3 on: September 19, 2017, 06:19:29 PM »
National General (Good Sam) Insurance has been least expensive coverage each time I compared.  We haven't had any claims other then window chips, which they covered 100%, no questions asked. 

As was noted above, being able to reduce coverage while in storage can be important.  I just put mine away until Oct. 25.  That change saved me about $125.  Any time you won't be using the MH for 30 days or more, you save a chunk.
Jim Sullivan
Newmar Canyon Star 3710
WASOKI
(We Are Spending Our Kids Inheritance)

Bill and Debbie

  • ---
  • Posts: 337
Re: Insurance
« Reply #4 on: September 19, 2017, 06:47:28 PM »
Make sure to specify whether you need full timers coverage as well as coverage for your towed vehicle. I think Allied will not package coach and car together. They had a great rate on the coach but by the time you added a vehicle (Progressive) package was over 1300/year on a 2010 coach and a 1999 Jeep.

So far AARP and Hartford has been the best quote as it is for coach and car. Its just soooooo much fun shopping for insurance as my carrier has ceased doing business in WA state.
William Bonsell
Poulsbo, WA

2010 CT Coachworks Siena 35V
1999 Cherokee Sport with Roadmaster Falcon 5250

Gary RV_Wizard

  • Forum Staff
  • ---
  • *
  • Posts: 62324
  • RVer Emeritus
Re: Insurance
« Reply #5 on: September 19, 2017, 09:18:51 PM »
Quote
National General (Good Sam) Insurance has been least expensive coverage each time I compared. 

Just to illustrate the need for shopping around, National General (GS) was always 50% or more higher than some of the other companies who provided quotes to me. So was Progressive.  And the company that provides a good rate one year may become a very expensive provider by year 2 or 3.
Gary
--------------
Gary Brinck
Summers: Black Mountain, NC
Home: Ocala National Forest, FL

kdbgoat

  • ---
  • Posts: 4958
Re: Insurance
« Reply #6 on: September 20, 2017, 06:01:42 AM »
We've been with State farm for years. DW has been with them since she was 16. I recently priced out insurance on all my stuff at the same coverage amount, and same deductibles. No one beat what I'm paying State Farm.
I know you believe you understand what you think I said,
But I am not sure you realize what you heard is not what I meant


2016 Leprechaun 319DS

Bill and Debbie

  • ---
  • Posts: 337
Re: Insurance
« Reply #7 on: September 21, 2017, 12:10:54 PM »
Just finished shopping for insurance for the motor home and car. Not one of my favorite activities. Did find the best coverage through The Miller Agency in Oregon. About $120 a year more than The Hartford through AARP, but significantly better coverage for us as full timers.

And very satisfied with the way everything was handled.
William Bonsell
Poulsbo, WA

2010 CT Coachworks Siena 35V
1999 Cherokee Sport with Roadmaster Falcon 5250

Daffy

  • ---
  • Posts: 94
Re: Insurance
« Reply #8 on: September 21, 2017, 05:28:08 PM »
We've been with State farm for years. DW has been with them since she was 16. I recently priced out insurance on all my stuff at the same coverage amount, and same deductibles. No one beat what I'm paying State Farm.

Been there done that. SF for everything here, however they do outsource the rv insurance, but I still get a SF card. No one beat what I'm paying either.
1999 Itasca Sunflyer 36L

Mile High

  • ---
  • Posts: 776
  • Lone Tree, CO
Re: Insurance
« Reply #9 on: September 22, 2017, 04:02:18 PM »
We had National General (GS) on our 5th wheel with replacement value, but they couldn't do on the Class A because it was too old.  We ended up with Safeco as they were pretty competitive at the time.

I was going to suspend over the winter as Safeco allows for liability, but I think I'll be driving it at least once a month this year to keep it in shape.
Brad and Dory
2013 Winnebago Itasca Meridian 42E (new to us 2016)
2013 Jeep Wrangler Unlimited Sahara
FMCA 457993 / WIT W170238

JasonTurpin

  • Posts: 3
Re: Insurance
« Reply #10 on: March 31, 2018, 02:54:27 AM »
Hey, while purchasing an insurance first make a checklist of the amount of coverage that you need for your Motorhome. The insurance plans vary according to the type of motor and the insurance coverage required. My brother has recently got the insurance by comparing insurance quotes on different websites that help to design the policy according to the requirement. The insurance policy will have the basic coverage of the property along with accidental and disaster damage.

DearMissMermaid

  • ---
  • Posts: 2355
  • Read my mis-adventures at DearMissMermaid.Com
    • DearMissMermaid.Com
Re: Insurance
« Reply #11 on: March 31, 2018, 05:37:47 AM »
I am a member of USAA dot com. If you can join them, then their RV insurance is discounted and good. I've had a few comprehensive claims with no issues.
http://DearMissMermaid.Com

Living, working. playing  in a 1992 Holiday Rambler Imperial 36' 5th Estate, formerly 8 years 24/7 in a Class C, 1994 Tioga Montara, 28'

Pack half the stuff and twice the cash.
http://dearmissmermaid.blogspot.com/

johnaye

  • ---
  • Posts: 157
Re: Insurance
« Reply #12 on: March 31, 2018, 09:20:52 PM »
I am a member of USAA dot com. If you can join them, then their RV insurance is discounted and good. I've had a few comprehensive claims with no issues.

USAA has a deal with Progressive for MH insurance as they do not wright MH insurance.  They did insure my TT when I had one.
John and Becky
2004 Alfa See Ya DP
2008 Honda CRV

Experience comes from mistakes.  I have a lot of experience

scottydl

  • Admin assist
  • ---
  • *
  • Posts: 7838
  • Central IL
Re: Insurance
« Reply #13 on: April 01, 2018, 10:19:29 PM »
Any suggestions on where to get general insurance coverage for a Class A motorhome

As you can see, there are all sorts of experiences from members here... and TONS of factors that will impact your potential expense.  Your state of residence, driving record, past insurance claims, credit history, marital status, you name it!  Just about any auto insurer will be able to offer an RV policy.  Call around or get online, and get as many quotes as you have time for.  You may get a discount if you use the same carrier that covers your other cars/residence, but that may not automatically mean it's the least expensive.
Scott, wife, 3 boys... and the dog
- 2008 Forest River Wildwood 32BHDS
- 1995 Chevrolet Suburban C2500 tow vehicle
- 1994 Thor Residency motorhome... owned 2007-2012

kdbgoat

  • ---
  • Posts: 4958
Re: Insurance
« Reply #14 on: April 02, 2018, 05:44:01 AM »
And compare apples to apples, many will give lower coverage, thus, a lower quote.
I know you believe you understand what you think I said,
But I am not sure you realize what you heard is not what I meant


2016 Leprechaun 319DS

FunSteak

  • ---
  • Posts: 100
Re: Insurance
« Reply #15 on: April 03, 2018, 07:36:36 AM »
Forgive me if it's obvious, but don't forget to have whoever carries your current insurance quote this.  Adding to your existing policy seems to bring the price down considerably, due to multi-policy discounts and so forth.  We have Country for all our insurance, and the price to add our coach was really reasonable, and significantly cheaper than other quotes.
JP & Karen
2017 Minnie Winnie 26a

 

Hosted by Over The Network