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Old 01-14-2015, 03:20 PM   #1
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Insurance coverage

anyone have an opinion of what amount of bodily injury and property insurance should be on a motorhome?
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Old 01-14-2015, 03:30 PM   #2
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As much as you can afford, plus an umbrella policy to cover more.
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Old 01-14-2015, 06:49 PM   #3
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The Umbrella Policy is great advice. Usually there is minimum coverage required on the underlying policy. Go with whatever that amount is, then add a >$2MM umbrella (YMMV).

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Old 01-14-2015, 07:02 PM   #4
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An umbrella policy is a great idea, however if you're a full-timer it can be problematic. Most underwriters will only issue an umbrella if you have an underlying homeowners policy. If you full-time, I recommend talking toan RV insurance specialist like Miller RV Insurance.
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Old 01-14-2015, 07:09 PM   #5
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I had an umbrella policy from State Farm before I ever owned a house. Call around.
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Old 01-14-2015, 10:15 PM   #6
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X2 for Miller Insurance Agency.
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Old 01-14-2015, 10:20 PM   #7
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Full time insurance - auto insurance - $1 million umbrella - through Dougherty Associates in Sioux Falls.

http://www.doughertyassoc.net/

250 / 500 / 50 on both car and coach required for the umbrella. No house needed. Laws vary by state I'm sure.
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Old 01-14-2015, 10:26 PM   #8
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Quote:
Originally Posted by Koop View Post
An umbrella policy is a great idea, however if you're a full-timer it can be problematic. Most underwriters will only issue an umbrella if you have an underlying homeowners policy. If you full-time, I recommend talking toan RV insurance specialist like Miller RV Insurance.
We aren't full time but I've tried Miller a couple times and have never gotten a quote through them. The last time they even called and asked what I was paying now! That was the reason I was asking them was to see what thy would find and quote me for a comparison. I wasn't going to tell them anything other than the coverage I already had so they could quote on the same coverage.
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Old 01-15-2015, 08:51 AM   #9
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I just recently purchased the FMCA insurance with recommended coverage for Texas.
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Old 01-15-2015, 09:27 AM   #10
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Quote:
Originally Posted by Mr_D View Post
We aren't full time but I've tried Miller a couple times and have never gotten a quote through them. The last time they even called and asked what I was paying now! That was the reason I was asking them was to see what thy would find and quote me for a comparison. I wasn't going to tell them anything other than the coverage I already had so they could quote on the same coverage.
That's surprising. I met Cheryl from Miller Insurance at the FMCA convention in Redmond, Oregon. She had quotes for me in about 15 minutes and saved me hundreds of dollars per year. She didn't ask about my other policy, just told me what she could offer. I got better coverage for less money.
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