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Old 04-26-2015, 09:23 PM   #1
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Class A Insurance reasonable?

A co-worker of my wifes tells her be careful if considering a Motorhome as the insurance rates are a lot higher than a 5vr. He knows we have a 5th wheel as they do also.

So I asked sales person this week as we were looking and his reply was about 1k a yr.

That seemed pretty reasonable to me for the part of country we live in. Which perhaps is why I see so many RV's with South Dakota plates they have insurance there also and I bet a lot cheaper than here in TX. Which is what we would probably do when we FT.

Is there any particular insurance companies you highly recommend for reasonable rates and great service? We have been with State Farm for over 40 years but would consider USAA ... Thanks for your input

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Old 04-26-2015, 09:31 PM   #2
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USAA does not insure motor homes, they have a referral contract with Progressive. They seem reasonable for rates, i have one of those policies, but as always it depends on your driving record, accident claims etc.

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Old 04-26-2015, 09:41 PM   #3
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We have everything we own insured through State Farm, plus an Umbrella Policy covering everything. I have had State Farm for over 43 years, and have run quotes from other agencies over the years and nobody has ever come close to them, for what and how we have things insured. Our MH is insured based on the MSRP and not what we actually paid as it is Full replacement for the first 5 years. Our yearly Policy with the higher coverages is $890 per year which I felt is very reasonable. We live in California which I think is one of the more expensive States for insurance. So if you are with State Farm now I would just give them a call. You also get discounts for the more things you have insured through them.
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Old 04-26-2015, 09:41 PM   #4
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Insurance rates depend on the part of the country, value of the RV, amount of insurance, and driver's record.

We got our insurance through Good Sam, which turned into GMAC, now National General. There might be cheaper insurance out there, but I like that I can call and have insurance reduced when the RV is in storage.

Bob & Donna
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Old 04-27-2015, 06:31 AM   #5
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Our 2000 Dutch Star diesel is insured thru Progressive in Maryland. We just renewed, and for the year it was $600.
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Old 04-27-2015, 06:59 AM   #6
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"I like that I can call and have insurance reduced when the RV is in storage."

That is a good point, I never thought of that. Just wonder how many others do that. I wonder if it has to be inside storage or if outside would not get the reduced rate. I checked inside storage for a rig we are looking at runs about $200 per month.
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Old 04-27-2015, 07:39 AM   #7
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I'm a full timer, with a $75K gas coach (2010 Canyon Star) I'm paying around $1250/year. I insured through Good Sam also.
Dan & Moxie (Yellow Lab)
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Old 04-27-2015, 07:52 AM   #8
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There are no simple answers on insurance.

You need to comparison shop the reputable companies. Price depends on your driving record, location class, and each level of coverage.

I am in Rural Route Class 1. It is the lowest location cost in PA. If I lived in Philladelpia the over-all rate would triple.

Each insurer has rates that vary by state, or even by county.

Make sure the quotes are one-on-one for all coverage levels. Some like to provide lower pricing via lower coverage.

So, no simple answers. You must shop. Brokers may help.

Best of luck!
Dave and Nola, RVM1
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Old 04-27-2015, 08:29 AM   #9
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there are so many variables for insurance that its hard to compare apples to apples. when this subject comes up here, most motorhome folks seem to fall into the range of $800 - $1200 per yr for full coverages.
besides location and personal history, a major cost factor is whether you get full replacement cost, agreed price or current price coverage for total loss.
best approach is to use an independent agent who can get quotes from multiple companies with the same coverages. if you call 6 companies yourself for quotes, you'll get 6 different sets of assumptions on which coverages you want.
until you fill out a detailed application, that gets approved by their underwriter, the verbal quotes over the phone are meaningless.
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Old 04-27-2015, 08:50 AM   #10
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We insure our DP with Country Financial. For "full" coverage its ~$53/month. In the winter it goes on a storage policy that is around $12/Month.
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Old 04-27-2015, 08:50 AM   #11
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Class A Insurance resonable?

Another factor that is salient is the mode of usage. Many underwriters cover RVs used intermittently as campers or vacation homes, but far fewer are able to properly or adequately cover a unit that is being lived in full time, unconnected to any other residence. We spent years with State Farm, but my agent was quite straightforward with me when we were planning to fulltime that SF simply did not offer adequate cover for fulltimers. We are now quite pleased with National Interstate. You must be clear with whomever you choose as to the way your RV will be used, lest you find yourself at the short end of the stick.
John & Diane, Fulltimers. RVM103 NHSO
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Old 04-27-2015, 09:31 AM   #12
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I have Hartford insurance, 73.57 per month, we can pay on a monthly basis and love it. We can pay over the internet, so no matter where we are, its near home Based out of Missouri. Hartford gives a discount for AARP members, and you can contact them thru AARP if you are a member.
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Old 04-27-2015, 11:09 AM   #13
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We insure our Class A DP with Geico. The cost is very inexpensive (less than $600 per year) and includes emergency roadside service, replacement cost coverage for contents and RV, medical and emergency expense as well as 10M liability coverage.
Really like Geico.
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Old 04-27-2015, 11:38 AM   #14
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Give a call to my friend Jim .... he's happy to look into your particular situation and give you an idea on cost .....
Jim Schecter, RV Specialty Agent
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866 484-2583 x 532

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