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Old 09-14-2013, 04:49 PM   #1
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Insurance

I'm sure this has been asked many times before please excuse my ignorance. I will be picking up my new user motor home this Friday. I have my cars and home insured with State Farm. Would I be better off staying with them or going with a company that specializes in rv insurance like for example good Sam? Thank in advance
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Old 09-14-2013, 04:51 PM   #2
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In this day and age I say "Research " it might save you $$$ that you can put right back in the gas tank ! Enjoy the new RV too !
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Old 09-14-2013, 05:42 PM   #3
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First check to see if State Farm offers an RV-specific policy - it is not just a big expensive car and requires insurance that combines home owners coverage with vehicle coverage. Then shop around other insurers and agencies - chances are there will be other insurers who provide same or more coverage for less money.

I'm using National Interstate thru Explorer RV agency, but other have found good coverage and rates with Progressive, Farm Bureau, Geico, etc. There are no absolutes - you have to shop to see what offers the best combination of rates and coverages for you.
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Old 09-14-2013, 07:16 PM   #4
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I have State Farm for everything except my motorhome. I went with Blue Sky. two reasons, they offer full replacement cost in case of total loss and a diminishing deductible. Otherwise, it would have been easier to have everything with one carrier. State Farm does surcharge my umbrella liability policy due to not having primary coverage on the MH.
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Old 09-14-2013, 07:36 PM   #5
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check with state farm and other companies. I have a policy on my RV through Safeco as well as my home and cars. They were a lot cheaper than the next nearest coverage rates.
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Old 09-14-2013, 07:50 PM   #6
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Try Farm & City Insurance Services at RV Insurance | FCIS Insurance
They are a broker for motor coach insurance. I've been with them since 2005. Buy or not, by giving them a call, you will know what questions to ask of the other companies.
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Old 09-15-2013, 08:12 AM   #7
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State Farm coverage will be fine, unless you want full replacement cost coverage. Most of your personal property will be covered by your home owners policy, even when it is in the motorhome (you should confirm with your agent).

When we went full time I was forced to switch from State Farm, for whom I'd worked for over 30 years, to pick up the replacement cost, personal items and personal liability coverage offered by a "full timer" policy. If you still own a home your situation is more "normal" and other than the full replacement cost, you have other policies to provide the other coverage.
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Old 09-15-2013, 09:05 AM   #8
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I have all my cars with State Farm so I went with them on my MH. My MH is older and I get all kind of offers from other insurance companies saying they are better than State Farm. I hope I will never find out.
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Old 09-15-2013, 09:09 AM   #9
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Progressive is who I have mine through. My first MH so Im not sure if this is good or bad. I did get replacement cost.
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Old 09-15-2013, 11:21 AM   #10
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Good Sam insures through GMAC insurance now known as National General. One advantage is that if you are not using your RV for 30 days or more you can put the insurance into "storage" mode and all of the on-road parts of the policy are suspended - property damage, liability, etc. The comprehensive fire & theft are maintained. They send you a rebate check for the time that you are off the road. This can amount to a fair number of dollars depending on how much of the year you are driving.
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Old 09-15-2013, 09:50 PM   #11
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I had GMAC for a year and they paid a large claim with no problem, but second year premium was not good. I now have MH with SAFECO along with home and other vehicles. Shop and know the bargain on first year may not be bargain in second year, you can go shopping again second year if need.
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Old 10-03-2013, 01:29 PM   #12
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Quote:
Originally Posted by Johnkmueller View Post
I'm sure this has been asked many times before please excuse my ignorance. I will be picking up my new user motor home this Friday. I have my cars and home insured with State Farm. Would I be better off staying with them or going with a company that specializes in rv insurance like for example good Sam? Thank in advance

Guymaster here. State Farm told me they do not insure full time rv's. Progressive was way over priced. Best deal I got was National Interstate. It pays to shop around and in Jan of 14 I will be looking again
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Old 10-03-2013, 07:58 PM   #13
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Have been with State Farm since to mid 1960's. We currently have our SB, toys, daily vehicles, business vehicle and the MH with State Farm. We have looked at other companies but none of them come close for the entire package that we have. It does pay to shop around and ask the 'hard' questions.
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