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Old 12-19-2007, 02:06 PM   #15
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To JWatkins:

You live in California, own a newer motorhome, your net worth is probably around $1M and you drive a 13 ton motorhome down the road and only carry $100,000/$300,000/$50,000 limits of liability? Unless you have purchased a large umbrella policy - you're crazy!!! Bump up your coverage for the extra $50-$100 a year!
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Old 12-19-2007, 02:09 PM   #16
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I'm an insurance agent that sells rv coverage. Things to keep in mind when purchasing your coverage. The best price is not always the best coverage. Does your coverage provide: Contents, personal libility, towing, and all the extras that have been added to the coach. Most auto companies do not cover contents, awnings or the extras. I found out the hard way on towing, does your carrier dispatch a tire shop to fix your flat, or does it just pay the bill you submit. With the larger coaches, a flat in a strange location can cause a huge problem of finding a roadside tire repair shop. I insure with a company that will dispatch the proper tow or tire repair shop!!! the answer on price, each state and zip code will give a differant premium, shop your local agents for the best coverage, and price. I recomend Foremost or Progressive, but there is also other good carriers out their. Know what you have for coverage, before you need it!
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Old 12-19-2007, 03:21 PM   #17
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Joe:

VoW is right about your coverage. However, most companies will up the limits for very little premium.

Most of the companies offer Roadside Service included in the policy. Each varies in replacement value and contents limits, though most that have large motorhome business have similar coverage.

Drive by Progressive also has disappearing deductibles of 25% per year. Lots of private agents will bid out with Progressive, or you can call direct.

In my search, last May, I found one company close to Progressive and all the others were a lot higher. I was sold on the customer service, quick response and the value of the entire package. The disappearing deductible was only with Progessive, between the two. Lastly, I was hit by a Progressive client and they really were quick to assess and paid immediately. They were done before my insurance company even acknowledged my report.
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Old 12-19-2007, 06:26 PM   #18
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What coverage are you guys suggesting?
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Old 12-20-2007, 11:53 AM   #19
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In another forum, earlier this year a fulltimer who had progressive tried to get his damage paid for from an accident progresive would not cover him because he was a full time rver.

Also National Interstate Insurance thru Explorer RV underbid Progressive by 600 dollars on my motorhome which is new and also had a lot of extras including coverage of my tow dolly that most insurance companies would not cover.

Progressive and foremost would not cover the personal items in my RV except by a set rate and not what the items were valued at.

If you fulltime be careful on the insurance companies. I have allstate right now (which covers the property of my rv according to what I set value at) and I am happy but I am changing to national because of being full time, their cost, and the extras they cover.
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Old 12-21-2007, 10:08 AM   #20
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AARP/Hartford offers replacement for the first 18 months.
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Old 12-21-2007, 11:33 AM   #21
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FYI, I spent about 20 minutes visiting with a representative of Good Sam GMAC about why the significant difference between their premiums versus Progressive. I have been a customer of the former for at least 6 years. He was very pleasant and made a side-by-side comparison. With 2 cars, plus the full-time policy on the motor home using the maximum liability coverage, for southern Oregon, there was a $960 difference over 12 months of coverage. There were some minor differences but they were both substantially the same and we were comparing apples to apples. He dug and dug and could not find a valid reason and said "I can't blame you for changing".

I am kind of glad that I decided to visit with all of you about this subject because it is really going to save me some $. Kind of wish I had done this shopping a few years ago. Thanks

Happy Holidays to all of you and may all our (Alpine) troubles be less this coming year. I think, however, that I would rather complain about motor homes than to watch all the political BS. Can you believe that this is going to be going on for the next 11 months!!!!!!
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Old 12-21-2007, 11:57 AM   #22
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First off, while I know basically what an umbrella policy is, I don't understand if it is a better option to increase liability to, say $500k, $1M, $200k (or higher) or go with an umbrella policy and lower the primary coverage? Is there a sweet spot ratio. As you can guess I am not very savvy with the neuances of insurance and am typically a little intimidated by the process. Rightly or wrongly I am a little cynical and cautious of the motives with any purchase or service that involves a Class A MH. I currently carry $500k, $1M and $200k but a little worried that it may not be enough or there are better options. Is there anything available on-line that can provide some basic guidelines on how much liability to carry and when you should opt for an umbrella and then what should the primary and umbrella policy look like? Certainly I understand the greater your net worth the greater your liability limits should be.
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Old 12-21-2007, 02:23 PM   #23
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I would be happy to explain the coverage and why. I'm only licensed to sell in WA, so you do not need to worry about a sales pitch. I would just like to help a fellow RVer. The coverage and options are to involved to put in writing, and each owner coverage and situation could be differant.

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Old 12-25-2007, 03:29 PM   #24
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Thanks for the offer Dan, I'll PM you in couple of days after the madhouse.

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Old 12-26-2007, 05:42 PM   #25
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<BLOCKQUOTE class="ip-ubbcode-quote"><div class="ip-ubbcode-quote-title">quote:</div><div class="ip-ubbcode-quote-content">Originally posted by VaNole:
I also will second Ted III recommendation concerning National Interstate. We originally went with them thru AON however upon renewal we opted for an agent on the east coast closer to us here in Va Beach. Service is as good or better with this agent than thru AON.

Who's the agent here in Virginia? PM me with the info if you would....Thanks

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Jeff </div></BLOCKQUOTE>
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Old 12-26-2007, 07:26 PM   #26
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I am with Progressive -- found they had the best rate for my situation. I have had a claim for replacement of both of the front windows (rock damage from a dump truck losing his load). Was very impressed with the ease of the claim and the fast response (had the windows replaced within 5 days. They also keep track of the warranty on the glass for me so I do not have to worry about it. No increase in the premiums the next year either -- actually went down a little.
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Old 12-27-2007, 06:00 PM   #27
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We too have Progressive. We have always insured RV's through Progressive and was happy when they started covering autos. We had hail damage to our MH in 2006 when we were working in NH (residence in Oregon - sort of ) which Progressive covered with no problem and our rates did not increase the next year. The only change was our deductible went back up but started the decrease this year.

As for Progressive not covering that person's damage because he was a full-timer - did he have full-timers coverage? When we went full-time that is the first thing I did was change our policy. It is worth the extra money for the extra coverage.

As for roadside service, we pay the $8.00 with Progressive but we also carry the RV Roadside service. If you read your roadside service through your insurance, there is a limit as to how far they will tow your RV. Plus, the RV Roadside service will understand better what you need. Plus, I figure if one doesn't cover it all, then we can get some help from Progressive.

A story of Progressive service: years ago we were pulling our TT to the dealer for work when our truck quit. We were about 15 miles from the park where we were staying. Progressive towed the truck and trailer back to the RV Park, dropped off the trailer, then towed our truck to the dealers which was another 10 miles. Progressive covered it all even though our truck was not insured through Progressive. (This was when Progressive did not insure autos in Oregon/Washington). They won me over!
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Old 01-15-2008, 04:28 PM   #28
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Looks like this thread has died down abit, but I'll add my late comments. An umbrella policy also covers you in your cars, extends to your home and even rental property. 500k liability is nothing if you are at fault and bodily injury is involved.

We've had National Interstate for four years and really like them but they don't allow for the policy to be put on "suspense" when the coach is sitting. I used to own an Allstate agency and we allowed that, so the much higher premium could be offset in that way. I wonder whether Progressive of Good Sam allow for suspension of liability if the coach isn't driven for over thirty days.
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