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RVing message boards => Fulltiming => Topic started by: Ladybiker on February 17, 2011, 05:55:28 PM

Title: A warning about full time insurance
Post by: Ladybiker on February 17, 2011, 05:55:28 PM
We have full time insurance and personal effects coverage for $15K from Progressive.  Last week someone got into our rear storage compartment using either that C751 key or by picking the lock.  They took our tools, every last one.  The list is quite long and runs about $2k for replacement.  Who woulda thought tools could cost so much.

We thought we would be covered.  But it turns out that in most full time personal effects insurance plans there's a clause that says in effect you get zero coverage if there is no "evidence of forcible entry".  So if the locks had been broken out we would have been covered for both the tools and the repair.  Since there was no damage, we get nada.

Yes we understand that it's written this way in the insurance contract and yes the insurance company has the right to refuse the claim.  But you'd think they'd be more interested in keeping a steady client by making at least some sort of offer than losing a client all together.  But that's not their way.  So we're off to find a new company.

So as a warning to all full timers, if someone gets into your RV make sure there's some sort of evidence of a break-in and make sure you replace all those C751 locks.
Title: Re: A warning about full time insurance
Post by: Mavarick on February 17, 2011, 09:41:22 PM
Isn't that interesting. Amazing all the games you have to play in order to get something you have been paying for all along.
I just switched to Progressive, thanks very much for the tip.
Title: Re: A warning about full time insurance
Post by: Smoky on February 17, 2011, 11:17:17 PM
and I just switched away from Progressive last year. 

I love their TV ads but nothing else.  They broke a number of promises they made and have a very deceptive structure where you can access Progressive through an agency, or deal directly with no agent middlemen.  And you are not allowed to switch from agency to direct unless you give up the replacement value clause in your policy.  And they love to bring in new customers at a low price and then begin a program of big rate increases year after year.

We switched to GEICO and cut our bill in half (about where it was when we signed up for Progressive 5 years ago).  In our second year we actually received a small decrease in our rate.

I have heard many people say its best to shop around and switch companies from time to time to keep rates competitive.  So far we have not had to do that with GEICO, but we stand ready to switch again if they think they have imprisoned our wallets. 

Smoky
Title: Re: A warning about full time insurance
Post by: Ladybiker on February 18, 2011, 10:53:35 AM
I am reluctant to add more to the story, but I know there are a lot of full-timers out there who have Progressive Insurance.  I feel I should expand on this warning a bit.

First, Mavarick, we experienced your same fate.  We've had Progressive for only 3 years and in that time they increased their premium by 50%.  We're wondering if they have a new policy teaser rate.

Regarding this particular claim, when we started it everything seemed fine.  The claims adjuster told us he was waiting for policy information from our state, in the meantime we needed to fill out the missing tools list.  This took several days to complete.  We sent it in and within just a few hours he called back with the denial.  Here's the worst part.  We were just a bit upset, as you can expect.  But as the conversation went along the claims adjuster seemed to be treating it as a joke and acting very unprofessional. 

Now, missing a bunch of tools isn't the end of the world.  We'll just have to gradually replace over time as we did when first married 25 years ago.  But imagine if the situation had been more serious.  Just imaging calling about an accident or injury claim and then having the adjuster laugh when he issues his judgement.

In talking with new insurance companies we have since learned that this type of clause is in virtually all full-timers personal effects policies.  Adjusters know this right off the bat.  He must have known this right off the bat.  We have the feeling he was just waiting for our amount to determine if it was worth it for the company to keep us as clients or let us go.  Can't prove it.  But that's what we feel.

Three years ago we switched from GMAC (which was an excellent company for claims) because we needed different liability amounts for bodily injury versus full timers.  We reviewed Progressive's on-line customer reviews and found they were not well rated.  But we had hoped this was due to a) mostly folks with negative feedback post reviews and b) people were being unreasonable in their claims.  Now we know that Progressive's poor ratings are earned.

Wish we'd stayed at GMAC.
Title: Re: A warning about full time insurance
Post by: Molaker on February 18, 2011, 11:01:25 AM
Sorry for your loss, but no evidence of forcible entry has typically been a non-coverage clause in home onwers insurance policies ever since I can remember (and that's some time back).  I've not really investigated my MH insurance policy for this, but I would not be surprised or even disappointed if that were the case.
Title: Re: A warning about full time insurance
Post by: geodrake on February 18, 2011, 11:08:40 AM
Our son is an adjuster for a major insurance company.  According to him the forced entry thing is pretty well standard with all insurance companies.  In a discussion similar to this I asked how they handle "gray" areas.  He said that several adjusters and mgt. set down and talk through it.  I would have guessed that in these discussion they would be looking for a way to deny the claim.  Not true; they actually look for a way to pay the claim.

Recently I was talking with a fellow wintering here who was an agent for a major insurance company.  I was telling him this and he said they did the same. 

Our son also states that agents are not always knowledgeable about polices and frequently miss lead clients about coverage.
Title: Re: A warning about full time insurance
Post by: Jim Godward on February 18, 2011, 04:32:58 PM
George,

My wife is an EX-adjuster for a major insurance company, my daughter was both an agent for a company and a Compliance Officer for a state Insurance Commission and both agree completely with your comments.  I have been hearing this story for years and it never changes.    :)
Title: Re: A warning about full time insurance
Post by: Mavarick on February 25, 2011, 09:03:18 PM
One other thing I learned is that when I went to Progressive's website for a direct quote it was higher than I would pay through an agent. The reason I switched was because AAA gave such a good discount using Progressive. I will watch the cost and when it starts getting jacked up I will move again. It seems you have to switch app. every 3-5 years to stay competitive. I have worked with some really good agents over the years who have also understood about the crazy pricing structure, must make their job tough.
Lots of good lessons learned here, no use all of us finding out the hard way!
Title: Re: A warning about full time insurance
Post by: Tony_Alberta on February 26, 2011, 12:49:46 AM
Sorry for your loss, but no evidence of forcible entry has typically been a non-coverage clause in home onwers insurance policies ever ....
So the lesson is if you notice something taken with no signs of forced entry you then take the largest screwdrive you have to the lock and damage it.    :P
Title: Re: A warning about full time insurance
Post by: Orick on February 26, 2011, 10:35:09 AM
Sorry for your loss but thanks for the tip and welcome to the forum!

Rick
Title: Re: A warning about full time insurance
Post by: codgerbill on February 26, 2011, 11:02:44 AM
I have an extra set of bolt cutters that I will sell cheap......... ;D

Although the compartments require a key I would guess that it wouldn't take a lot of force to open a locked compartment and I would suspect a significant amount of damage to the latching mechanism afterwards.
Title: Re: A warning about full time insurance
Post by: Molaker on February 26, 2011, 11:04:59 AM
So the lesson is if you notice something taken with no signs of forced entry you then take the largest screwdrive you have to the lock and damage it.    :P
Just make sure you don't leave the screwdriver laying on the kitchen counter. ;D
Title: Re: A warning about full time insurance
Post by: NY_Dutch on February 26, 2011, 03:57:29 PM
Many years ago I had a number of items stolen from inside my car with no obvious signs of a break in except that a vent window (remember them?) was open that I knew had been latched. It was fairly easy to slip a coat hanger in the edge of the vent though, to unlatch it. When I called my insurance agent, he said he would have an adjuster contact me for an inspection, but before the adjuster arrived, I should check again for signs of damage. He said he was sure that they must have tapped the vent glass with a hammer and broke it to get in, and I should be sure the adjuster saw that when he got there.  ::)
Title: Re: A warning about full time insurance
Post by: Ladybiker on February 27, 2011, 06:10:24 PM
It is rather ironic that if you're honest and don't damage something you get screwed.  We have since replaced all the locks on the three compartments.  You can buy  cam locks that fit at either Home Depot or Lowes and these have unique keys.  We're now buying new tools and a tool box plus we're locking them inside the compartment using a cable lock plus a couple locks to keep the box closed.  In addition, with the rising cost of gas, we bought a locking gas cap and we've now locked our solar panel on with a cable.  So at least if the panel gets lifted there would have to be a cut cable as proof.  Having a theft sure makes you look at your security a little closer.  Does anyone have any ideas how to secure the front doors of a class C?  It'd be so easy to use locksmith tools to unlock them again leaving no damage.

For those of you with Class A's with those basement storage compartments, we were told that it's easy for thieves to reach under the compartment door and simply unlatch them to open them.  You may want to take a look underneath to see if there is a way to keep fingers away from the latches.

We've been getting quotes for new insurance.  We're finding National Interstate has cheaper prices and we hear they're a pretty good company when it comes to claims.  Anyone have any experience with them?

On Progressive, we wonder if their disappearing deductible is the reason the rates keep going up so much.
Title: Re: A warning about full time insurance
Post by: tommyanderson on February 27, 2011, 07:42:07 PM
I recently purchased insurance sith state farm 15,000.00 policy for 150.00 per year not sure about the coverage but my agent has always been good to me.   tom from cambridge maryland
Title: Re: A warning about full time insurance
Post by: Orick on February 27, 2011, 09:55:20 PM
I recently purchased insurance sith state farm 15,000.00 policy for 150.00 per year not sure about the coverage but my agent has always been good to me.   tom from cambridge maryland

Welcome to the forum Tom.  What do you mean by a "15,000.00 policy"?

Rick
Title: Re: A warning about full time insurance
Post by: tommyanderson on February 28, 2011, 12:31:09 PM
that's the value of the camper/travel trailer
Title: Re: A warning about full time insurance
Post by: phelpo on March 21, 2011, 10:01:16 AM
People LISTEN UP,  as an agent I tell my clients to call me FIRST when they
have a claim,  before they call the cops,

when it is in writing well end of story, am I telling them to lie?  Nope.....

BUT  PEOPLE, READ THE BACK OF THE POLICY, THE SMALL PRINT,  large
print is coverage, small print is where they take it away,  READ
THE EXCLUSIONS GEFORE CALL THE INS CO.

Phelpo
Title: Re: A warning about full time insurance
Post by: Jay Dee on March 21, 2011, 10:50:57 AM
and I just switched away from Progressive last year. 

I love their TV ads but nothing else.  They broke a number of promises they made and have a very deceptive structure where you can access Progressive through an agency, or deal directly with no agent middlemen.  And you are not allowed to switch from agency to direct unless you give up the replacement value clause in your policy.  And they love to bring in new customers at a low price and then begin a program of big rate increases year after year.

We switched to GEICO and cut our bill in half (about where it was when we signed up for Progressive 5 years ago).  In our second year we actually received a small decrease in our rate.

I have heard many people say its best to shop around and switch companies from time to time to keep rates competitive.  So far we have not had to do that with GEICO, but we stand ready to switch again if they think they have imprisoned our wallets. 

Smoky




The reason that GEICO rates are low is because they keep their payouts low. And that's why they can afford to flood the TV with ads. An example, if you think that you're gonna get the KBB or the NADA value for your stolen car you're in for a most unwelcome surprise. This I know from experience after paying them premiums for twenty years and NEVER filing a claim.
I know this thread is about RV insurance but I would think they screw you there as well as in auto insurance. I'm not planning on finding out. A fair warning!!!!   
Title: Re: A warning about full time insurance
Post by: John From Detroit on March 21, 2011, 12:27:42 PM
I wonder if one should choose an insurance company the way I tell people to choose lawyers,, NOTE THAT THIS IS A JOKE.

I tell them to open the yellow pages to the proper heading (Attornies in my case, Incurance companies in this case) and then turn on the TV, and Radio and pick up the news paper

When you hear an ad for a lawyer (insurance company) take a big  black marker and cross it out.

Then, when all done, choose from the two remaining.

The theory being those adds are being paid for with teh client's money.
Title: Re: A warning about full time insurance
Post by: mr300ce on November 15, 2011, 09:51:23 AM
Ok....my 2 cents.

State Farm, 35 yrs.  Paid all of my few claims, no problems.  Paid my daughters totaled car claim 6 yrs ago, no problem, but cancelled her for the DUI she got.  (She has not drank since then, :)  She can NEVER drive any of my cars with State Farm.

I also realize that the "honest & good" people ALWAYS pay....& carry the rest.....all our lives.

In an earlier accident, (not her fault), she had to get a lawyer to get her totaled car paid for by the other girls co.  That was Allstate.

In car business for many yrs, and have heard stories.  Other companies don't want to pay for your claim when their client is at fault.

One reason is there are so many crooks that intentionally cause accidents to get $$$$.

Police reports can really help.  All injuries &/or property damage over $750 here in Calif. are supposed to be reported.  These days, a minor thing can be over that amount.

I am gonna have to figure out what to do when I full time.
Title: Re: A warning about full time insurance
Post by: mnmnutswer on November 15, 2011, 06:08:00 PM
One claim in over 25 years ($20,0000) water line bust last year and my home owners just droped me.
Title: Re: A warning about full time insurance
Post by: eugenegivens on November 15, 2011, 08:04:49 PM
is anyone using aarp as a carrier, i want to do three cars ,mh.van, house &tailer. they informed me to start was 325.00 w/monthly payments of 127.00.is this good
Title: Re: A warning about full time insurance
Post by: Bob Maxwell on November 15, 2011, 09:04:42 PM
We use Hartford/AARP bundled, we also have a 2M umbrella policy. Today, I called Hartford and since Estelle retired the 1st of Oct our monthly cost went down $30 on the house and $20 on her car. I'm glad I remembered to call them.

Rates are dependent on location of your home and the rates for the location and in the auto industry for where you've registered your vehicles. Take you quote and get get several on the exact same coverage.   
Title: Re: A warning about full time insurance
Post by: Gary RV_Wizard on November 16, 2011, 08:19:34 AM
AARP's insurance program is through The Hartford and they have an excellent RV policy. Rates are competitive for most people and circumstances. We use them for car insurance, but get a slightly better deal on the motorhome thru National Interstates (though I haven't updated my rate comparison lately).

It is all but impossible to compare your rates with anybody else's. Too many variables in individual circumstances, vehicle price and category, location, etc. to make any meaningful judgement based on what others pay. You have to shop - get several quotes, and think carefully about the coverages you need. Just asking "how much to insure my RV" is not going to get consistent results.
Title: Re: A warning about full time insurance
Post by: Smoky on November 17, 2011, 02:45:59 PM
But Mr300 c:

It is my understanding that StateFarm does not cover RVs.  Has this changed?

I keep hoping that USAA begins covering RVs.  This is the only company that we have had a wonderful claim service with but on our auto.

As for GEICO, we have not had a claim,nor have we with the former Progressive.  But I can say are rates have remained stable with GEICO and kept rising quickly with Progressive.

If I am gonna get screwed on claims, at least I am going with a company that does not raise rates LOL  :D

Smoky 
Title: Re: A warning about full time insurance
Post by: Gary RV_Wizard on November 17, 2011, 04:06:12 PM
Smoky,
USAA advertises motorhome insurance - see https://www.usaa.com/inet/pages/insurance_motor_home. 

I see references to State Farm when people talk about their RV insurance, but don't see any place on their website to get a quote or info.
Title: Re: A warning about full time insurance
Post by: mnmnutswer on November 17, 2011, 04:27:08 PM
I am in the process with Farmers. They already have my home and two cars. The MH is the only thing left for them to pick up.
Title: Re: A warning about full time insurance
Post by: Jim Godward on November 17, 2011, 06:35:29 PM

State Farm will insure MHs but not for full timers as you have to have homeowners etc. to make a decent package.
Title: Re: A warning about full time insurance
Post by: Smoky on November 17, 2011, 08:42:26 PM
Well we are fulltimers so I guess State Farm is out for us.  Will look into USAA.  Thanks for the info!

Smoky
Title: Re: A warning about full time insurance
Post by: Wendy on November 17, 2011, 08:45:52 PM
It is my understanding that StateFarm does not cover RVs.  Has this changed?

We've had our RVs covered with State Farm for over 20 years. Even had a couple of claims that they paid with no quibbles whatsoever. We do also have our other vehicles insured with State Farm and have homeowners with them for 15 years. But they did cover our RV back when we were living in an apartment.
 
Wendy
Title: Re: A warning about full time insurance
Post by: mnmnutswer on November 17, 2011, 09:40:59 PM
Look into Farmers they will cover you.
Title: Re: A warning about full time insurance
Post by: Smoky on November 18, 2011, 10:28:46 AM
They will cover a full timer who does not also have homeowners insurance???
Title: Re: A warning about full time insurance
Post by: Marsha/CA on November 18, 2011, 11:58:30 AM
I have Farmer's insurance on everything we have EXCEPT the motorhome.  When we were looking for motorhome insurance a while back, they told us they do not provide motorhome coverage; and to contact Foremost Insurance.

Marsha~
Title: Re: A warning about full time insurance
Post by: Smoky on November 18, 2011, 06:52:30 PM
Marsha, that is what I originally thought.  There seems to be a lot of confusion on this on the forum. I am calling USAA to check that one out and will also call State Farm.  I am happy with GEICO, but after 3 years I think the time has come to once again get some competitive bids.  I suspect that State Farm will not cover a full timer.  I wonder also about USAA.  USAA has treated us well on auto insurance but when I called them last year they did not offer full timer motorcoach insurance.

Smoky
Title: Re: A warning about full time insurance
Post by: mnmnutswer on November 18, 2011, 07:39:33 PM
I just talked to my FARMERS agent. The do insure HM's in fact they will insure anything....
Title: Re: A warning about full time insurance
Post by: Smoky on November 18, 2011, 07:44:07 PM
What is a HM?

And did you specifically ask about insurance for those that do NOT have a stick house but live full time in a motorocaoch?

Smoky
Title: Re: A warning about full time insurance
Post by: Molaker on November 19, 2011, 12:29:00 AM
What is a "motorocaoch"?  Is that the same thing as a "HM"? ;D ;D
Title: Re: A warning about full time insurance
Post by: DearMissMermaid on November 19, 2011, 04:48:52 AM
Claims???  :o

You can file claims against that mountain of insurance premiums we pay every  year? 

I thought insurance was a one way street, you pay pay pay and never get a thing in return no matter what happens to you. But some of you  are actually COLLECTING on claims?

I must look into this newfangled way of doing business. I had no idea insurance companies ever paid out on claims. I thought that was just another urban myth! :o

~~~~~~~~~~~~
By the way...
USAA advertises RV insurance, but when you apply for it, they switch you over to Progressive, who gives USAA members a better rate. I know, I went that route, and was amazed at the wonderful quote they gave me which beat all the other quotes substantially.

But are you serious, that  if something happens I can file a claim and maybe even collect money???  WOW... and I thought it was all a big myth!  :P
Title: Re: A warning about full time insurance
Post by: Gary RV_Wizard on November 19, 2011, 10:51:59 AM
We've been on a roll with insurance payouts lately, after 18 years without a dime in claims.  We collected $50k on my motorhome insurance two years ago after an accident.   And just collected $2480 on my homeowners policy last month, due to water damage from a leak. Had another $8600 home owners claim two years ago too, also a water damage problem (broken pipe flooded two rooms).

All in all, I would just as soon not had any reasons to collect!
Title: Re: A warning about full time insurance
Post by: carson on November 19, 2011, 01:44:14 PM
Quote
And just collected $2480 on my homeowners policy last month, due to water damage from a leak. Had another $8600 home owners claim two years ago too, also a water damage problem (broken pipe flooded two rooms).

Hi Gary... Just wondering.  Did both of those incidents happen while you were on the road, far from home ?

If so, I wonder if insurance companies will someday question such claims. Not a happy thought.

Carson

Title: Re: A warning about full time insurance
Post by: Gary RV_Wizard on November 20, 2011, 09:27:17 AM
One of them occurred shortly before we arrived back home, but my daughter was staying in the house at the time so it was "occupied" and she prevented further damage when the leak was discovered.  The insurers rules on water damage claims make it clear that an unattended property might be grounds for denial of claim. Home owners coverage in general stipulates that the property is occupied by the insured. Not clear what that means for a second home, which by definition is only occupied part of the year.
Title: Re: A warning about full time insurance
Post by: Marsha/CA on November 20, 2011, 11:17:24 AM
This brings up another point of the discussion.  When we leave, we turn the inside house water off; and leave the yard/landscaping water on.  Somewhere along our travels we were discussing this with another RVer and they mentioned that their insurance would not cover them if they turned off their water.  When we got home we checked with our Farmer's agent.  They informed us that it did nothing to our policy and they recommended turning the water off when we leave.

Marsha~
Title: Re: A warning about full time insurance
Post by: Wendy on November 20, 2011, 12:28:25 PM
Several years ago, when we left for the winter for the first time, we didn't turn off the water or the water heater (ok, we were stupid). While we were gone, the water heater overflowed and damaged our hardwood floors and the carpet, the vanity in the bathroom, and some personal property. State Farm covered the whole thing, including the hot water heater, because they determined that it was all caused by snow blocking the pipe where the heater drains outside. Not only did they not care that we weren't there when it happened, our agent and the insurance adjuster both suggested that we remember to turn off the water the next time we left for the summer.
Title: Re: A warning about full time insurance
Post by: Smoky on November 20, 2011, 12:54:14 PM
Well gang, I still need to know if any of you happy State Farm insurees are also full timers?  Same for USAA insurees?
Title: Re: A warning about full time insurance
Post by: jje1960 on November 20, 2011, 03:55:35 PM
We have Geico.  Only claim for the RV (have been many for everything from 5 deer hits to total loss with a brand new vehicle) was damage from a freak windstorm in Bristol last August.  Geico actually showed up at the campground during a Nascar week (pretty crazy) and took care of business.  Basically, other than the $500.00 deductible, they are paying for all the damage to our electric awning and the decal that was scratched with the damage.  I'm bringing the unit up for the repair this week, take a day off work (day after Thanksgiving) and get it done.  Sorry for anyone else that has not had perfect experience with Geico, but they will continue to have our business, just never had anything to complain about.... other than what our premiums cost us... but that's just the situation with all insurance today.
Title: Re: A warning about full time insurance
Post by: Jammer on November 21, 2011, 12:38:34 PM
We have full time insurance and personal effects coverage for $15K from Progressive.  Last week someone got into our rear storage compartment using either that C751 key or by picking the lock.  They took our tools, every last one.  The list is quite long and runs about $2k for replacement.  Who woulda thought tools could cost so much.

We thought we would be covered.  But it turns out that in most full time personal effects insurance plans there's a clause that says in effect you get zero coverage if there is no "evidence of forcible entry".  So if the locks had been broken out we would have been covered for both the tools and the repair.  Since there was no damage, we get nada.

As others have noted there is an almost universal requirement that some sort of evidence of illegal entry be present before a claim will be paid, for insurance policies of any kind (house/car/RV).

I put valuables in a locked box that's screwed down, both at home and while traveling.  While I suppose the box could be pried open by a motivated burglar, doing so would leave clear physical evidence that a theft occurred.
Title: Re: A warning about full time insurance
Post by: Molaker on November 21, 2011, 01:34:44 PM
I put valuables in a locked box that's screwed down, both at home and while traveling.
You sound like Al Gore. ;D
Title: Re: A warning about full time insurance
Post by: Smoky on November 21, 2011, 09:29:03 PM
OK, Guess I will assume from reading this thread that State Farm only offers RV kinsurance to part timers and NOT full timers.   :D

Title: Re: A warning about full time insurance
Post by: Wendy on November 21, 2011, 09:30:58 PM
I don't KNOW if they offer it to full-timers. I only know that you do NOT have to have homeowners insurance with them to get coverage for a motorhome. If you really want to know if they offer motorhome insurance for full-timers, you probably should call them :)
 
Wendy
Title: Re: A warning about full time insurance
Post by: Smoky on November 22, 2011, 02:27:25 AM
Wendy, when I called them in the past State Farm said they did not offer full timer insurance.  However NMNutswr above in the thread said the do cover HMs.  Not sure what he meant by HM, but it sounded like he might be answering my directly preceeding question in the positive.  If anyone on the forum had full timer insurance from State Farm I wanted to hear from them.  Otherwise, I am going to assume that what I was told by State Farm in the past is still true.

Smoky
Title: Re: A warning about full time insurance
Post by: therealsimpsons on November 30, 2011, 05:19:58 PM
My 2 cents.

If you look up all of these companies, State Farm, Geico, AFLAC, Allstate, Prudential, etc etc...look at the pictures of their corporate headquarters. Where do you think that money for the wasted space marble floored opulence comes from? You and me! Then there are all of the buildings around the country with an insurance company name. The GEICO Arena..The ALLSTATE Arena. Insurance companies are similar to banks. Both are intermediaries of funds. If you have $100,000 the best bang for your buck is to loan it to someone. But what does the average depositor know about making a loan. So, we loan it to the bank, and they turn around and use their lending expertise to re-lend it at a better rate. (any deposit in a bank is in its most common denominator, is a loan to the bank) They owe you the money, sooner or later. Insurance companies also make loans, however usually in the form of real estate investments, home mortgages (Washington Mutual come to mind?) and other instruments of funding. A whole-life insurance policy is simply a loan to the insurance company. The re-invest the money while you are alive. Life insurance is probably the least denied insurance claim, but they still make your beneficiaries prove beyond a shadow of a doubt that you are dead.

My experience is that they will try like heck to get out of paying a claim. However, they have the insurance regulators to answer to, especially on consumer claims, which is the reason for the meeting where they make an effort to pay. It looks good to the insurance examiners.
Title: Re: A warning about full time insurance
Post by: jje1960 on November 30, 2011, 05:37:55 PM
My 2 cents.

If you look up all of these companies, State Farm, Geico, AFLAC, Allstate, Prudential, etc etc...look at the pictures of their corporate headquarters. Where do you think that money for the wasted space marble floored opulence comes from? You and me! Then there are all of the buildings around the country with an insurance company name. The GEICO Arena..The ALLSTATE Arena. Insurance companies are similar to banks. Both are intermediaries of funds. If you have $100,000 the best bang for your buck is to loan it to someone. But what does the average depositor know about making a loan. So, we loan it to the bank, and they turn around and use their lending expertise to re-lend it at a better rate. (any deposit in a bank is in its most common denominator, is a loan to the bank) They owe you the money, sooner or later. Insurance companies also make loans, however usually in the form of real estate investments, home mortgages (Washington Mutual come to mind?) and other instruments of funding. A whole-life insurance policy is simply a loan to the insurance company. The re-invest the money while you are alive. Life insurance is probably the least denied insurance claim, but they still make your beneficiaries prove beyond a shadow of a doubt that you are dead.

My experience is that they will try like heck to get out of paying a claim. However, they have the insurance regulators to answer to, especially on consumer claims, which is the reason for the meeting where they make an effort to pay. It looks good to the insurance examiners.

.....f you look up all of these companies, State Farm, Geico, AFLAC, Allstate, Prudential, etc etc...look at the pictures of their corporate headquarters. Where do you think that money for the wasted space marble floored opulence comes from?

Got your 2 cents....

Frankly, I don't wish to deal with a company working out of a chicken-coop.  Just wondering how our system and it's issues stack up against insurance say in the old Soviet Union... or North Korea.... or China... Lot's of people making their living in those buildings, "the corporate headquarters".  Just more "2 cents"
Title: Re: A warning about full time insurance
Post by: Jarlaxle on December 04, 2011, 02:29:06 PM
So the lesson is if you notice something taken with no signs of forced entry you then take the largest screwdrive you have to the lock and damage it.    :P

Yep, pretty much.  They won't pay if the lock gets picked or "bumped", but they are prefectly willing to pay that, PLUS the damage caused after the door is crowbarred open.  Energize, Mr. O'Brien, there's no intelligent life down here.
Title: Re: A warning about full time insurance
Post by: catblaster on December 04, 2011, 02:38:46 PM
We are with State Farm for the RV and don't have homeowners insurance. State farm dropped our homeowners just before hurricane charlie. They were alot cheaper than Progressive also on the RV. Maybe just my luck or being in FL. or multiple vehicles???
Title: Re: A warning about full time insurance
Post by: rhianna on December 06, 2011, 05:29:00 PM
We are with Foremost and they have been very good about claims.  USAA has their insurance (fultime coverage) with Progressive.  We dropped Progressive 3 yrs ago because their premiums went up quite a bit with NO claims.  You have to keep looking from year to year to find the best deal.  A lot of the firms do not cover towing more than 15miles.
Title: Re: A warning about full time insurance
Post by: KK6KFB on February 07, 2016, 09:39:07 AM
Okay, I know this thread is old... however, I just found it and joined the forum as well to post my recent experience.

I'm a 37 year old male with my truck and RV on an Allstate policy. Last month in January I was on the road in Oregon on Hwy 97 headed Southbound from Bend.

It was a great trip, two weeks along the coast and stopping to see a few friends whom I haven't seen in years.

Anyway, as I was headed South on 97, I was overtaken by a bigrig hauling butt and speeding just as fast as can be. He was doing about 70, and I was tooling along around 35 due to the conditions of the road, yes, it was icy... Bigrigs create a negative air pressure behind them as most of you are aware of, well, when this guy overtook me, the negative air pressure pulled my RV (tow behind) over just enough that the trailer decided to take the lead position down the highway.

So now, my girlfriend and I are facing the wrong way on the highway, sliding on ice... cross the center median... and pass through two lanes of oncoming traffic, and plow straight into a snowbank.

My RV was totaled... you could visibly see that the box was off the frame. Coachmasters in Bend stated it was two inches back, and an inch and a half to the side. There was no way my rig would be repaired.

My truck ended up being totaled as well... I love that truck.

Neither of us were injured in the accident, and I was so shaken, the only people I could think to call was Allstate. We sat there in that snowbank on the phone with Allstate and filed the claims. They were tremendous help, the lady on the phone got everything sorted for me and helped us both with this process. It was GREAT.

Long story short, Allstate was very efficient, and EXTREMELY helpful. They paid my out on my truck in just over 12 days, and the trailer in 14. Also, what they paid my out on the offer, the first offer, exceeded the value of my RV, and the truck.

Three weeks after the accident now, I have already purchased a newer setup, and there's still an excess of Allstate money. I never thought I'd say I love my insurance, but I do... I love those guys immensely.

BTW, this is my first accident ever, and it was ruled as a no-fault on my part.
Title: Re: A warning about full time insurance
Post by: BobNSam on February 07, 2016, 09:58:35 AM
A for what it's worth...you can open many rv cargo compartments with a stiff piece of wire without touching the lock!
Just thought I would help make you feel more secure ;)
Title: Re: A warning about full time insurance
Post by: EdBickfordCPA on February 07, 2016, 11:34:20 AM

The reason that GEICO rates are low is because they keep their payouts low. And that's why they can afford to flood the TV with ads. An example, if you think that you're gonna get the KBB or the NADA value for your stolen car you're in for a most unwelcome surprise. This I know from experience after paying them premiums for twenty years and NEVER filing a claim.
I know this thread is about RV insurance but I would think they screw you there as well as in auto insurance. I'm not planning on finding out. A fair warning!!!!
I totally agree.  My son was an adjuster for them for a few years until his conscience bothered him so much he left.  My car was once hit by a GEICO policyholder.  When I took it to a bodyshop I had used before and trusted, he told me he couldn't fix it right for what they were willing to pay.  Personally I have USAA for all forms of insurance and if you are eligible either being military, ex military or a dependent thereof  I would look into them.

Staff edit: Fix broken quote tag
Title: Re: A warning about full time insurance
Post by: therealsimpsons on February 07, 2016, 11:55:32 AM
I disagree with the assertion that insurance will not pay if there is no evidence of forced entry. A few years ago our sticks and bricks was burglarized, while we were asleep in bed. We left a patio door open with just a screen door closed.

No forced entry. Essentially, we let them in. Our homeowners insurance, Nationwide, paid over $8,000 for stolen items.
Title: Re: A warning about full time insurance
Post by: TonyDtorch on February 07, 2016, 04:45:03 PM
Well we are fulltimers so I guess State Farm is out for us.  Will look into USAA.  Thanks for the info!

Smoky

as I understood it , if you full time in the motorhome without a stick and brick home policy there is a limited number of insurance companies that will insure you.

 I thought it was just Foremost and Progressive,....... We have AAA for rv towing but AAA said... "nope" to insuring us as fulltimers.
Title: Re: A warning about full time insurance
Post by: DearMissMermaid on February 14, 2016, 08:18:29 PM
I went through USAA for my RV insurance and they farm it out to Progressive, but still they gave me a great rate. I've had 2 claims, neither of them involved an accident, and so far so good. I pay my insurance in one payment for the whole year. Saves money and it's one less thing for me to keep track of monthly.

The loss of tools... seems common place. I've read similar threads before, tools vanish and insurance doesn't pay. In all honesty, I can understand the insurance company wants proof of a break-in. Otherwise folks might just upgrade their junk as they saw fit by claiming it just vanished with the aliens that took it.

I am just super curious since you are a fulltimer, how and where your tools vanished. Were you in a campground or RV park or storage? Were you living in it at the time?

Most of my used old junk, I don't think anyone would want, but I do keep everything locked up tight and a thug would have to do some damage to be able to cart off my debris.  ???
Title: Re: A warning about full time insurance
Post by: John From Detroit on February 15, 2016, 07:50:34 AM
I have lost a few tools over the years.. USUALLY because some stupid idiot left them on a campsite he was leaving.. No insurance claim there.   Just a trip to the hardware for a new ________.
Title: Re: A warning about full time insurance
Post by: Derby6 on February 18, 2016, 06:11:40 PM
I am just super curious since you are a fulltimer, how and where your tools vanished. Were you in a campground or RV park or storage? Were you living in it at the time?
  As I believe this is a question for the OP, I would not wait up for response. :o  The OP is over 5 years old and has not been on in almost 4 years....lol ;D ;)
Title: Re: A warning about full time insurance
Post by: retiredcajunlady on March 28, 2016, 02:22:21 PM
This may be a ridiculously inane question, but I honestly don't know the answer:  When I am reading "insurance" for a motorhome, does that mean coverage for the driving part (like any car insurance) or does it cover contents?  Or both?  I am still in the decision phase of do I or don't I want a motorhome, so truly I am confused.  It seems as though insurance for a fifth wheel or trailer would be in addition to the vehicle that tows it, but I am not sure.  What about those motorhomes that are actually driven (Class A, B, C)?  Thanks so much in advance to anyone who can help to enlighten my novice brain!!
Title: Re: A warning about full time insurance
Post by: John From Detroit on March 28, 2016, 04:57:51 PM
Any auto policy covers SOME contant, but you need to sit down with your agent and get IN WRITING with a signature attached exactly what is covered and what is not.. My insurance company ripped me off.. For (As it turns out) Less than a dollar, but they still ripped me off.... (Long story already told and I do not feel like typing again) but they wrote the RV policy as an Auto Policy, but when I tried to get them to sign a form, that's all they had to do sign a form, NO damages, Just one piece of paper, One envelope and one postage stamp.. They refused. Claimed the MOTOR home is not an Automobile... What??????
Title: Re: A warning about full time insurance
Post by: NY_Dutch on March 28, 2016, 06:32:31 PM
This may be a ridiculously inane question, but I honestly don't know the answer:  When I am reading "insurance" for a motorhome, does that mean coverage for the driving part (like any car insurance) or does it cover contents?  Or both?  I am still in the decision phase of do I or don't I want a motorhome, so truly I am confused.  It seems as though insurance for a fifth wheel or trailer would be in addition to the vehicle that tows it, but I am not sure.  What about those motorhomes that are actually driven (Class A, B, C)?  Thanks so much in advance to anyone who can help to enlighten my novice brain!!

The insurance issue for fulltime RV'ers, whether living in a Class A, B, C or a TT, is primarily one of getting contents and other coverage for those items that would normally be covered by a home owners policy in a sticks & bricks situation in addition to what's covered by standard automotive policies.
Title: Re: A warning about full time insurance
Post by: AbdRahim on April 04, 2016, 09:53:56 PM
Unless they have changed, Geico is a miser when it comes to claims. Was rear ended twice while stopped at a light and another time at a stop sign. Geico paid for the first. ?They skimped on everything, claiming that was scratched before the accident etc. Next time it happened and Allstate paid. They replaced everything - no questions asked. That was about 35 years ago. Geico has not gotten a dime of my business since.
Title: Re: A warning about full time insurance
Post by: patagoniadave on April 15, 2016, 02:57:35 PM
Is there any updated consensus on this topic? I just read the fine print on my policy, and realized we were grossly under insured, and they did not know we were full timers. Now we are shopping quotes. My biggest concern is all of the upgrades, repairs, and replacements we have made on the truck and rv over the past three years, including the $10,000 of a solar system we are having installed next week. Other big ticket items would include the upgraded transmission I put in the truck, the fifth wheel hitch, etc.

I am looking for a company that will insure, and understands full timers, and who will cover as much of the upgrades, repairs, and replacements we have installed as possible with the least amount of fuss. Not necessarily looking for the cheapest.

Is there any company that is above beyond the rest, or are they all pretty much the same? We have been talking to Geico, Progressive, and State Farm. Totally based on Super Bowl commercials.

Thanks
Title: Re: A warning about full time insurance
Post by: Ned on April 15, 2016, 07:07:36 PM
Contact Explorer RV, they sell full timer insurance.
Title: Re: A warning about full time insurance
Post by: patagoniadave on April 15, 2016, 07:12:48 PM
Contact Explorer RV, they sell full timer insurance.

thank you. Their quotes seem higher than the others, do they make up for that with quality of coverage?
Title: Re: A warning about full time insurance
Post by: Ned on April 15, 2016, 08:10:37 PM
thank you. Their quotes seem higher than the others, do they make up for that with quality of coverage?

Be sure that you compare the details.  We were insured by them for years and they always paid the claims, mostly for windshields.
Title: Re: A warning about full time insurance
Post by: johnhicks on April 15, 2016, 10:12:23 PM
   Give Foremost a call. I have fulltimer coverage with agreed stated value, none of that blue book foolishness.
Title: Re: A warning about full time insurance
Post by: Ladybiker on December 29, 2016, 05:55:33 PM


"I am just super curious since you are a fulltimer, how and where your tools vanished. Were you in a campground or RV park or storage? Were you living in it at the time? "

I haven't looked at this forum for a long time.  Anyway, our tools went missing when we were parked at a lot beside a bike trail.  We did not have a tow at that point so all our driving around was in the RV.  We were walking for only about an hour or so and when we returned every one of our storage doors were unlocked.  Yet only the tool boxes were missing, the entire tool box.  We've slowly managed to put our tool collection back together.  We also changed the locks on the camper storage doors so they now have unique keys.  Plus we cable lock the tool boxes in place.  And yes we know that works because we had a second attempt at the new tool boxes where they actually managed to jimmy the new door locks but they didn't get the tools or the boxes the second time.   :-\
Title: Re: A warning about full time insurance
Post by: Gary RV_Wizard on December 30, 2016, 08:00:11 AM
I think I would move out of that park. Two burglary attempts, especially one serious enough to jimmy the locks, indicates to me it is a bad area and best avoided altogether.


As for insurance, one thing that RVers often overlook is the "Personal Property" provisions of their policy. That's the part that covers your clothing, computers, gear & tools, and also most things you added to the RV, even if physically attached. That includes hitches, accessories mounted on roof or sides, lawn furniture, etc. A typical policy will include maybe $2000 in coverage for Personal Property and that's a drop in the bucket if you have a major loss, e.g. fire or total wreck.

That big patio tv or $1500 solar system you added is very likely to be considered "personal property" if there is a loss.
Title: Re: A warning about full time insurance
Post by: kdbgoat on December 30, 2016, 08:39:56 AM
I think I would move out of that park. Two burglary attempts, especially one serious enough to jimmy the locks, indicates to me it is a bad area and best avoided altogether.


As for insurance, one thing that RVers often overlook is the "Personal Property" provisions of their policy. That's the part that covers your clothing, computers, gear & tools, and also most things you added to the RV, even if physically attached. That includes hitches, accessories mounted on roof or sides, lawn furniture, etc. A typical policy will include maybe $2000 in coverage for Personal Property and that's a drop in the bucket if you have a major loss, e.g. fire or total wreck.

That big patio tv or $1500 solar system you added is very likely to be considered "personal property" if there is a loss.

^That^ and check the deductable on the personal property. It could be quite substantial if not specified to the agent what you desire.
Title: Re: A warning about full time insurance
Post by: Gary RV_Wizard on December 30, 2016, 09:26:40 PM
None of my motorhome policies have had a deductible for personal property losses, but that is certainly a possibility. One of several reasons you can't just call up an agent as say "give me some insurance". You need to at least ask some questions about what is covered and for how much, and what deductibles & exclusions might apply.
Title: Re: A warning about full time insurance
Post by: Vita Vivet on April 14, 2017, 10:26:38 PM
We were told that like with our motorcycles, USAA insures motorhomes through Progressive.  You pay USAA but your insurance is actually with Progressive....for what its worth