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Old 09-28-2016, 08:52 PM   #15
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I like the way you are thinking. As a nooby, I have no idea what kind of coverage I should be looking for. Thinking of getting a 1999 American Coach Eagle. Price would be about 45k financed. What coverage do I need?

For an RV that cheap, liability only
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Old 09-28-2016, 08:55 PM   #16
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I have had Blue Sky https://blueskyrvinsurance.com/index.html for about five years and am very pleased with them. I got the coverage through the Tobin Agency rv insurance motorhomes travel trailer motorcycles home or 1-800-759-6321. My coach is valued at about 160K and it cost me around $800 for the full year. Both the Tobin Agency and Blue Sky Insurance specializes in RV coverage.

Your RV is a 2015. You haven't had blue sky on THIS RV for 5 years. I have blue sky also. Watch your premium go up 50% next year.
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Old 10-03-2016, 09:04 AM   #17
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Your RV is a 2015. You haven't had blue sky on THIS RV for 5 years. I have blue sky also. Watch your premium go up 50% next year.
YUP, mine just did! Time to start shopping.
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Old 10-03-2016, 04:20 PM   #18
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I started shopping today. Our National General went up this year "again". So far today Progressive the cheapest for or MH, Pickup and a Jeep we have in storage. The big difference is the auto portion.
The problem with Progressive is they only do 6 months on auto so it leaves it open to raise sooner so I don't like that.
If you want full replacement cost and not book value replacement your options will be limited. The best I have found for that so far is National Interstate but have more shopping to do, we have 30 das before our current policy gives out. I will be checking AARP and Blue Sky that someone mentioned (and thanks for those tips).
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Old 10-05-2016, 07:59 AM   #19
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For an RV that cheap, liability only
The Post stated he was financed, his bank won't like liability only
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Old 10-05-2016, 09:31 AM   #20
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The Post stated he was financed, his bank won't like liability only
And on top of that, $45,000 isn't chump change, at least not for me. Our little rig probably wouldn't garner a $20,000 retail value at this point but i still want to cover some of that. Coverage is only ACV but the cheap $400 dollars a year premium is worth it to me.
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Old 10-05-2016, 05:45 PM   #21
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Your RV is a 2015. You haven't had blue sky on THIS RV for 5 years. I have blue sky also. Watch your premium go up 50% next year.
You are correct - I had Blue Sky on the last RV which was a class C and now on the 2015 which I got in June of 2014 in the two and half years in this RV the cost went up less than 10 percent and I got a notice well in advance that they were asking the NJ Division of Insurance (state regulatory agency) for a rate increase.
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Old 11-02-2016, 06:10 PM   #22
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Anyone use good Sam?
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Old 11-04-2016, 10:37 AM   #23
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Good Sam is National General Insurance.
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Old 11-04-2016, 11:42 AM   #24
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Have any of you tried FCIS Insurance? Josh gave me some good information and they make it very easy to get a quote. Click the link below.

Some of the recommendations he made were;

• Look for 12 month policy
• Permanent attachment coverage like awnings, antennas etc.
• Glass Endorsement (get a quote)
• Personal belongings with actual replacement cost
• Gap insurance for full replacement cost coverage (find out how much it costs & decide if it's for you).
• Will they turn off collision amount when RV’s in storage

FCIS Insurance - Iowa Life, Auto, RV and Pet Insurance Company
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Old 11-04-2016, 04:18 PM   #25
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What am I missing?

I have Farm Bureau insurance and have been with them for 12 years. I quoted my current RV and the RV I am picking up tomorrow on National General Insurance and the cost is nearly 8x what I am paying now. Yes $4,000 a year with NGI and $500 a year from FB. Same limits and deductibles! My concern is that FB does not understand what they are insuring and when I need to file a claim it will be too late.
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Old 11-04-2016, 04:23 PM   #26
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Progressive is what we have and ask about the zero deductible on the windshield.
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Old 11-04-2016, 04:31 PM   #27
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I have State Farm. Thought about National General, but then thought again.
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