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EdOsmar

RV Insurance: What do I need, where to look?

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New here and new to motorhoming. We purchased a 2010 Coachmen 2130QB last year (nine months ago) and will pick it up tomorrow. We picked this Type C because we wanted something large enough to be able to spend months at a time in and small enough to park almost anywhere. When we purchased it we also purchased insurance through the dealer. As the year is almost up, we will need to get insurance again. What kind of insurance should we be looking for and who should we purchase it from? Our cars and stick home are now covered under State Farm.

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We found out when we bought our new rig that our auto insurace company wanted to rake us over the coals for insurance on the rV (Hartford). Our broker found us Foremost insurance who specializes in RV insurance and the price was 100% better.

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I have National Interstate (RV specific insurance), it is now brokered through Poliseek AIS Insurance Solutions, Inc. So far I've had no problems with them, but I've had no claims either. I haven't insurance shopped lately, but they were cheaper than Allstate Indemnity when I switched a few years ago. I believe State Farm has their RV policies through a seperate branch from auto coverage as well, probably an Indemnity branch.

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We also have National Interstate originally purchased through FMCA for our motorhome. As for how much, that decision should be based on how much you can afford and how much are you worth if all goes down the tubes. Liability, if you injure someone or break something you can be held liable for whatever you are worth or may be worth later. Repair and replacement of the RV, how much are you willing to risk as a deductible? I would suggest a long conversation with your insurance agent, your CPA, or your attorney if you have risk exposure.

Just my opinion. Happy trails, and enjoy the new rig.

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Hi All:

I have all my insurance thur USAA: They insure my cars, home. and my RV is innsured by USAA thur their RV carrier" Progressive".

I was a naval officer, I have been with USAA for 38 years. This is not an ad for USAA, but you might check them out for all your insurance needs. (1-800-531-8111).

USAA will now insure any vet who served honorably.

:rolleyes:

Jim Moore

georgia boy

class A 24.5'

Catawba, NC 28609

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State Farm will be happy to insure the RV too. Can't travel anywhere in the US or Canada and not find a State Farm agent on the street corner, and yes, I do work for State Farm, at least for another 10 weeks (retiring). : )

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I am an independent insurance agent and the best claims service for an RV is through Progressive. They are very competitive when your RV is new, but they base their rates on the age of the motorhome, so as your RV gets older their rates go up even though the value is dropping. As far as I know Foremost is a reputable company and any company FMCA endorses should be fine. The bottom line is to do your homework re: "service after the sale" because price is not everything when you have a claim on an expensive RV.

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Have had Foremost and now with Progressive for our C Class Itasca. Progressive was almost one half the cost of Foremost, and purchased through a AAA agent in SC, that we have our home, car, and umbrella policy with (Traveler's). I've heard good things about Progressive's claim service as well.

Doc Mike

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EdOsmar,

Assume you are not FT; if so that will limit your choices but the ones mentioned above mostly are good alternatives. Recently when we switched to FT, our insurance for 42 years (USAA) dropped us and recommended Progressive which turned out to be the highest rate by far. We ended up with Explorer RV Insurance (they are brokers), they were about the same as several others mentioned above.

Good luck,

bobsea

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State Farm will be happy to insure the RV too. Can't travel anywhere in the US or Canada and not find a State Farm agent on the street corner, and yes, I do work for State Farm, at least for another 10 weeks (retiring). : )

That's interesting. When we went full time almost 9 years ago State Farm gave us the kiss off. We were told that they wouldn't insure a motor home. I had been a State Farm customer for close to 30 years. No more.

We have GMAC insurance (also known as Good Sam insurance). Have been very pleased with the rates and the claims process.

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post-2752-1272563828_thumb.jpgWe bought a NEWMAR 39ft Kountry Star last year and purchased our insurance through our local insurance man.

He also is a broker and recommended progressive Insurance, so we trusted him and went with them.

We had a problem which cost over $3,000.00 to repair and they took care of it all, no questions asked and very quick.

I would recommend you check into Progressive RV Insurance and get a quote.

John

post-2752-1272563859_thumb.jpg

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We shopped for RV insurance a couple years ago when we became "full-timers" and chose Foremost mostly because of our full-time status and needed the extra coverage since our Class A is our only home. The other reason was for the "replacement cost" and as the 1st owner of new RV you would reap the benefits of that should your RV be totaled. Shop around ... good luck! EveNJohn

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We've had Progressive - have had two claims (both windshields) and other than on the second one having to deal with Duncan, would rate Progressive very well. They give a discount for 55-alive participation, a discount for original owner of the coach and, suggested that at every renewal, be sure to ask about any other discounts that might be applicable. Geico was very close in rates but I didn't want to change from one to the other. GMAC was 3x the cost - no explanation either.

The Duncan story is almost unbelieveable and warranted a letter to Progressive's CEO.

G.Martin

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National Interstate caters to RVers. We have a full timers policy with $1000 deductible. Our brand new 2009 Monaco Monarch had a run in with a tree last summer. It was actually the fault of the Boiston/Cape Cod KOA and their negligence in cleaning up their dead trees (unresponsive btw, I will NEVER use a KOA again!). National Interstate paid for a "like new" repair, including mold remediation (minus my deductible). If you are close to your premium cost, I HIGHLY recommend them for insurance service.

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I did a lot of shopping around for RV ins. A LOT. Best coverage and price was from Gilbert RV Insurance Co. 888.784.6787.

The policy is covered on agreed value, seeings my unit is an 07. Coverage included col. in Mexico. You still need to purchase

ins. from Mexico to be legal in Mexico on medical and such. I couldn't get any reasonable prices from Progressive, GMAC or

any other RV club affilate compainies. In my research I found that Victoria Insurance ( Whom I'm with through Gilbert ) had

a good reputation on Claims issues.

Safe Travels,

johnfv2

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I am a member of USAA as a retired Air Force officer. I have been insured with them for almost 50 years. I have had a motor home(two at times)

plus RV and family vehicles. I have had serveral claims and all were handled asap without any problems. When I went fulltime(i.e. living in motor home 5 months or more a year) USAA did not have full timer insurance. They referred me to one of their other companies. This insurance was three times what I have with Twin Peaks Insurance. A broker and they give a 5% discount to FMCA members. Listed im FMCA magazine classifieds, miscellaneous. I also have an LLC.

JDTHUD

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I am with National Interestate, since they are an RV specialist and were recommended with my first motorhome purchase. Last year I got one competitive quote and the cost was within $10.00, so I did not persue any other differences. This year I checked cost with my auto/home insurer. They were signifiantly higher in cost and were not conversant in RV specific needs. My local agent is Ed Tobin Agency.

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