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Old 03-25-2011, 10:19 AM   #15
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I've had Progressive for a number of years and have been very happy with them. However, the last few years they have been jacking the rates up on their RV coverage and many RVers are starting to move away from them for that reason. I found a number of satisfied owners on the Tiffin RV Network board that recommended Twin Peaks Insurance - RV Insurance Specialists

I checked them out and they have much better coverage, with full replacement value and diminishing deductible for significantly less premium than Progressive. I recently placed my coverage with them.

They also had a special glass coverage option that I chose. My normal comprehensive has a $1000 deductible. My one piece windshield runs close to $2,000 (I replaced one on the last coach once - ouch) so any time I need a new windshield it runs me $1,000. With this special glass coverage I only have tyo pay a $100 deductible for glass. It costs $59 extra per year but the difference between a $1000 deductible and a $100 deductible is $900. At $59 a year that's equal to 15 years to break even and chances are I'll have 3 new windshields by that time so it's a good option to have - especially if you travel on gravel roads from time to time.
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Old 03-29-2011, 12:31 PM   #16
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Insurance

WOW!!!! I have Nationwide 250.00 deduct, road side and towing for 420.00 a Year....Hummm....something doesn't add up? Full coverage too!
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Old 03-29-2011, 01:06 PM   #17
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When comparing rates you need to compare apples to apples. Insurance rates vary greatly according to a number of factors. Your home base location is one of them so an identical RV in a different state will have a different premium. But, the biggest factor I've seen is the RV's value. There was a sizeable jump from my 33' gasser to a 40' disel and another jump when upgrading to the 42' tag axle coach. If I cover it for current market value it's one cost but when I cover it for full replacement cost (a new RV for the first five years and my original purchase cost for the next 5 years) then there was a sizeable difference. Throw in diminishing deductibles and a $100 glass coverage and it all adds up. Thebreakdowns between various quotes indicated the the RV value affects collision, comp, and liability. If I still had my 33' Suncruiser I know that the premiums would be less than half.
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Old 03-29-2011, 01:27 PM   #18
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Originally Posted by bzumwalt View Post
Thanks to all for your tips and suggestions. We were in a bit of a time crunch due to our closing date and wound up going with Farm and City for our 2006 Fleetwood Discovery. The premium is under $100/month, which is about what I expected. Will do more shopping further down the road, but had a good experience with FCIS and am satisfied for the present.

Thanks for making a newbie feel welcome!

Bob
FCIS still beat Allstate as a stand alone policy. I guess I need to get off my rump and start shopping. I have house, car, umbrella, and RV all under Allstate now. They told me up front they weren't the most competitive on RV, but I didn't think it was that bad.
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Old 03-29-2011, 01:41 PM   #19
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If you are a member of AARP, get a quote from Hartford through them. I have everything else with Allstate and a great agent. They could not come within $500 of the Hartford quote

Rick
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