We have a new-to-us Showhauler. It's 9 years old but pristine and has only 80,000 miles on it! We were just informed that Progressive, the insurance carrier our agent hooked us up with in NEW YORK STATE (which might be part of the problem), will only insure our Showhauler for $37,000 less than what we paid for it. Believe me, the rig is worth every penny that we paid for it.
So, who do you all use to insure your truck conversion RV? Here's what I have found so far:
- Geico won't touch it due to it being on a Freightliner chassis.
- Good Sam/National General Insurance will insure it...the premium is half of what Progressive charged. But when I asked about how much I would get if it went up in flames (heaven forbid), I was told a claims adjuster would determine the value then. Does anyone have experience with this?
- Allied is on my list to call next...assuming I can find a number for them.
Who else shall I call? I've been told that a replacement value policy is only good for models 5 years old or newer. I'm fine with that. If something happened, I would at least like to get the value of the RV at that point in time.
I'm feeling more than annoyed at this point.
Hopefully someone out there has some words of wisdom. Thanks.