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Old 03-25-2016, 12:13 PM   #15
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While cost is a major factor, service is as important.

If you have a claim, how easily will it be handled?
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Old 03-25-2016, 01:39 PM   #16
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There is no, one size fits all, "best" insurer for everyone. It depends on what state you live in, whether that state is no fault, whether that state requires medical coverage in vehicle policies, what county or zip code, what else you have insured, what your credit rating is, what the companies loss record was last year & last quarter. Your personal claims are only one of the many factors effecting premiums.
Go to an independent agent who can get you quotes from 6 different companies.

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After 5 years, Nationwide just raised my rates over 50%. No claims, no nothing. "Lot of claims on motorhomes of this length and age" is the only explanation. Who offers affordable insurance for full-timers? FMCA? Good Sam?

Rich 2002 Magna
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Old 03-25-2016, 01:59 PM   #17
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Full Timers should have a real Full Timers Ins Policy with coverage the same as what they carried on their S&B Homes.
Comp/collision (auto), personal property, Additional Living Expenses (if home can not be occupied), Personal Liability (slip fall/accidents---lawyers sue), Medical, replacement OR agreed value.

National Interstate,,,,hands down!!
They do Full Timers Ins. and have great customer service/claims dept.
X2 You get what you pay for!
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Old 03-25-2016, 10:34 PM   #18
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A broker checked with Allied today. They will no longer insure motorhomes over 36 feet, unless you're already with them and then they will probably raise your rates.
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Old 07-10-2016, 12:39 PM   #19
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My Progressive RV Insurance just went up by 40%

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After 5 years, Nationwide just raised my rates over 50%. No claims, no nothing. "Lot of claims on motorhomes of this length and age" is the only explanation. Who offers affordable insurance for full-timers? FMCA? Good Sam?

Rich 2002 Magna
My Progressive fulltimers policy just mysteriously increased by 40%. I was perplexed because nothing had changed since last year and I had no claims, but my agent, although he agreed that 40% seemed like a lot, could do nothing about it due to some change the company made in rating the policies. I will take others advice in this thread and get some other quotes. Thanks all for the tips.
Jere Neal
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Old 07-10-2016, 10:49 PM   #20
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These insurance companies are basically unregulated as far as what they charge for coverage. They can raise your rates, they can drop you, they can pretty much do whatever they want in this regard as long as they meet certain deadlines in informing you. You have your State Legislature to thank for this.
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Old 07-11-2016, 01:11 PM   #21
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You have your State Legislature to thank for this.
I cannot believe with the hundreds of new laws created every session that those folks, to whom we pay big $$ to make new laws, missed this one!

We should put an annual limit on new laws.......
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Old 07-11-2016, 05:50 PM   #22
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And what number would be appropriate?
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Old 07-11-2016, 07:21 PM   #23
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Searching for a new policy for this year and have contacted a few companies. Received a quote today from Allied, through FMCA for a 40 foot unit, as listed in my profile
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Old 07-12-2016, 12:52 AM   #24
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Searching for a new policy for this year and have contacted a few companies. Received a quote today from Allied, through FMCA for a 40 foot unit, as listed in my profile
And how was the quote?
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Old 07-16-2016, 04:46 PM   #25
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Did you try going thru Good Sam?
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Old 07-16-2016, 04:55 PM   #26
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Be sure to ask" what happens if I lose EVERYTHING!" If you are fulltime you can't go home and wait for a check to come! You become displaced with nothing. I asked this to my agent. Do not assume anything! My dw and I cannot afford cheap insurance.
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Old 07-25-2016, 11:32 AM   #27
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We just sold our s&b last week so called National Interstate today to raise coverage to full time and realized we didn't have full replacement coverage so added that. They increased the policy about $500 which We didn't think was too bad. We don't want any surprises if a problem arises. Like to sleep without worrying about this stuff. Happily heading west.
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