dianejmac
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Posts posted by dianejmac
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On 8/12/2017 at 11:58 AM, MWeiner said:Jim, be very careful with The Hartford...we had them as our insurance company on our cars... had one very minor incident... they were great fixing everything....then, later trippled our rates.... repairs were only about $1,200 ....we would have been better paying for the repairs ourselves....we dumped them... business decision.
Hartford is great for rates, but wait till you need them for coverage./we carried everything with Hartford... house, cars boat, MH. Had an issue on the roof and it took a year to get the claim settled after having to go to the Insurance commission in our state. If you don't mind the aggrivation in poor coverage they're great!
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On 12/25/2020 at 11:11 AM, hermanmullins said:Hawk, Welcome to the Forum.
That is not unusual. Insurance quotes by different companies depend on many factors. Location, claims in a particular area, and first time quotes (lots of time your first year with an insurance company will be low then Up it goes the next). This is why it is good to shop each year or at least every two years.
I have shopped every year for the past 5 years and my current company has been good each time.
Again welcome.
Herman
so what company are you with currently? We have Nationwide and they gave us a much better rate through FMCA but we have not had our renewal yet.
thanks
diane
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On 8/27/2019 at 4:45 PM, elkhartjim said:I received my renewal premium notice today from The Hartford through AARP, the annual premium went down $132 and I had a $15,000 claim this spring.
On 10/10/2019 at 9:27 PM, DOOWAH said:Any claim would be settled on an ACV basis (NADA value would be a good indicator) UNLESS you have an Agreed Amount valuation clause. Then value you speak of is only to determine premium not a claim valuation. Most of threads I see are filled with misinformation common to the public..
May I ask you what kind if rig your insuring? We have Hartford currently also through AARP was thrilled when we got it because we had the house, boat, motor home truck and 2 cars. One of them a BMW and they are generally spendy to insure. They saved us 600. A year so we were thrilled. Have since sold boat, have new much larger coach, and got rid of beamer in lue of jeep to tow. Last year we had some serious damage to our house to tune if 80,000 and were still not fighting with them to get everything covered. They have made our lives **** to be blunt. Maybe if they drop premium for a year after claim I'll stay with them. Lol
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On 8/12/2017 at 7:53 AM, elkhartjim said:I contacted my insurance provider this week to make a change to my policy. They asked the usual questions but this time they had a different question,"are you a member of any rving groups like Good Sam's?". I said yes and then asked about FMCA; they are not on our list but with you being a member of Good Sam we can provide a better rate. Another benefit from Good Sam's I was not aware of. BTW, the insurance provider is The Hartford.
We have Good Sam and they wrote us up with National General. We have our house and cars with Hartford and they gave us pretty good rate for the new coach. But we have learned the hard way with Hartford....ya get what a pay for. We were underwritten through AARP and they saved us 600 a year. Last march we had over 80,000 damage to our home and Hartford has made our lives miserable. Its now a year later and were still not settled. I finally got the State Insurance Commission involved ...guess what? They are finally movin and shaken. I doubt we will go with them . Thinking National through FMCA pretty good quote.
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On 4/18/2020 at 9:28 AM, FIVE said:I've been that route with Progressive and the same thing happened that happened to you. It seems after a few years they want a hefty increase, so I change companies for a couple of years, go back to Progressive and back to a lower rate. Maybe that's the way they do business, except I did not go to them directly this time, GS did. Present policy is with National General through GS.
We are with National General and it's quite high but we live in Montana and they did full replacement cost plus 8,000 for personal property. We store 4 months out of the year and premium goes down to about a third. They are great to work with but I need to find something different till we start traveling again. Got a quote from Safco it was cheaper but did not feel to comfy with fact they do not do replacement cost and said they do agreed value which is what we paid for it. Got one today from FMCA with National and it also had purchased price on it. They added road side assistance for 750.00 but we have coach net which we are real pleased. We has old motor home with our house and 3 cars with AARP Hartford but we have just spent a year fighting with them to get close to $80,000 in damage to our house covered. Finally had to go to Insurance Commissioner here in Montana to get things done. Guess for now switch to National and when we go full time when this virus is over switch back to NG.
Good Sam vs FMCA Insurance Discount
in RV Insurance
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We called FMCA and they found the best policy for us. Saved us loads of $$$ with better coverage. They quoted the best for us with Nationwide, we are from Montana and because of the many folks evading sales tax taking advantage of the LLC here the rates for MH is higher than other states. So he told me, but everything else expensive here because we are so big a state with so few people.