Bill, prior to trading in both coaches...fun. Not! Now we have one and it's about the same, but the 1 coach is also worth more than the previous 2 combined. We also carry replacement cost. Still with State Farm and they do have a separate rate for RV's, everything on coach is covered, it's not a Safeco Policy! State Farm also have our cars and trucks and trailers. When we get married, I'm moving both houses over to USAA.
I currently have Safeco for the RV, and State Farm for 2 cars. Called State Farm for a quote for a policy "specific to RVs, not an auto policy adjusted to cover RVs". Thought I had a good deal going ($588 less than Safeco). Was told it was an RV policy. Questioned personal property coverage and she said pots, pans, etc. were not covered. The young lady was not familiar w/RV living so explained about many items stored in basements (this was a trick to explain). My current coverage provides $4,000 personal property coverage - better than nothing. The State Farm rep. said she would check on pp coverage, and when she called back, the quoted policy would not coverage any pp, and she corrected her prior comment that this was an RV policy, but it was an auto policy. For now, guess I'll stay w/Safeco.
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I currently have Safeco for the RV, and State Farm for 2 cars. Called State Farm for a quote for a policy "specific to RVs, not an auto policy adjusted to cover RVs". Thought I had a good deal going ($588 less than Safeco). Was told it was an RV policy. Questioned personal property coverage and she said pots, pans, etc. were not covered. The young lady was not familiar w/RV living so explained about many items stored in basements (this was a trick to explain). My current coverage provides $4,000 personal property coverage - better than nothing. The State Farm rep. said she would check on pp coverage, and when she called back, the quoted policy would not coverage any pp, and she corrected her prior comment that this was an RV policy, but it was an auto policy. For now, guess I'll stay w/Safeco.