Go Back   iRV2 Forums > MOTORHOME FORUMS > Class A Motorhome Discussions
Click Here to Login
Join iRV2 Today

Mission Statement: Supporting thoughtful exchange of knowledge, values and experience among RV enthusiasts.
Reply
  This discussion is proudly sponsored by:
Please support our sponsors and let them know you heard about their products on iRV2
 
Thread Tools Search this Thread Display Modes
 
Old 09-27-2016, 06:22 PM   #1
Senior Member
 
StuartS's Avatar


 
Newmar Owners Club
Join Date: Aug 2014
Posts: 293
Insurance for coach

looking to purchase a motor home.
Any insurance recommendations?
__________________

__________________
StuartS is offline   Reply With Quote
Join the #1 RV Forum Today - It's Totally Free!

iRV2.com RV Community - Are you about to start a new improvement on your RV or need some help with some maintenance? Do you need advice on what products to buy? Or maybe you can give others some advice? No matter where you fit in you'll find that iRV2 is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with other RV owners, see fewer ads, upload photographs, create an RV blog, send private messages and so much, much more!

Old 09-27-2016, 06:34 PM   #2
Senior Member
 
Mr_D's Avatar
 
iRV2 No Limits Club
Join Date: May 2011
Location: Vancouver, WA
Posts: 23,359
The Hartford through AARP saved me $1500 a year over National General for the same coverage on the same vehicles.
__________________

__________________
2009 45' Magna 630 w/Cummins ISX 650 HP/1950 Lbs Ft
Charter Good Sam Lifetime Member, FMCA, SKP
RV'ing since 1957, NRA Benefactor Life, towing '14 CR-V
Mr_D is offline   Reply With Quote
Old 09-27-2016, 07:09 PM   #3
Senior Member
 
WyoFree's Avatar
 
Join Date: Feb 2015
Posts: 803
I'm curious about something? This is a topic that comes up often here on the forum and its an important one for both personal and property protection. What you pay for that protection is important and as we know can vary greatly.

With that said; Someone must have a checklist you use to make sure the insurance quote you get is apples to apples and covers all the primary items of importance to you!

Maybe the thing for us to do its establish a check list of insurance items. All items may not be important to you but it would be nice to know of things to look for. GAP insurance is one of those items you may not want to pay for but it is worth looking into.

Things like;

Look for 12 month policy (coverage can't change in that time)
Permanent attachment coverage for awnings, antennas etc.
Glass Endorsement
Personal belongings with actual replacement cost
Gap insurance for full replacement cost coverage
Turn off collision amount when RV is in storage.

What would you add?
__________________
WyoFree is online now   Reply With Quote
Old 09-27-2016, 08:55 PM   #4
Member
 
Join Date: Sep 2016
Posts: 38
Quote:
Originally Posted by StuartS View Post
looking to purchase a motor home.
Any insurance recommendations?

I found a large difference in coverage.
Progressive was cheap but would insure my coach for low book $35K and also didn't offer limits as high as I have on my other vehicles (RE: medical, liability)
State Farm was higher ($300) but insured the coach for replacement value like a house or $150K.
__________________
jaywolf is online now   Reply With Quote
Old 09-27-2016, 09:07 PM   #5
Senior Member
 
Join Date: Nov 2012
Location: bis. nd
Posts: 585
we dont add any thing like awnings glass and gap...we just got out qoute at $287 for 6 months...and that is 500 deductible and the towinig at any time to closest approvved dealer ...but we live in ND and its a whole nuther story if you living in east or west cost.. ors is not full time yet if thats what you want//
__________________
London Aire..350hp Sparton chassis... with all the good stuff from the time.
2007 Alfa Gold!! model 1008. 400hp Freightliner, now in use!!
beenthere is offline   Reply With Quote
Old 09-27-2016, 09:49 PM   #6
Senior Member
 
Robmat's Avatar


 
Winnebago Owners Club
Ford Super Duty Owner
Join Date: Aug 2010
Location: North Wildwood, NJ
Posts: 300
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.
__________________
Bob and Cathy
2015 Itasca Sunova 33c towing a 2008 Jeep Wrangler Sahara
Member FMCA F421963, GS Life, SKP#127220, WIT, PA,
Robmat is offline   Reply With Quote
Old 09-27-2016, 09:50 PM   #7
Senior Member
 
Join Date: Jan 2009
Posts: 397
Since we don't full time and the rig has been paid off for years, i keep pretty much the bare minimum on ours. I upped the liability amounts a tad but the comp and collision are ACVs with a high deductible of $2,500. Nothing else on the policy so our premium is cheap. Through Progressive...
__________________
03 Itasca Sunova, 8.1 Workhorse
Mudfrog is offline   Reply With Quote
Old 09-27-2016, 10:09 PM   #8
Senior Member
 
RV-Writer's Avatar


 
Holiday Rambler Owners Club
Join Date: Jul 2016
Location: Denver
Posts: 362
Quote:
Originally Posted by WyoFree View Post
I'm curious about something? This is a topic that comes up often here on the forum and its an important one for both personal and property protection. What you pay for that protection is important and as we know can vary greatly.

With that said; Someone must have a checklist you use to make sure the insurance quote you get is apples to apples and covers all the primary items of importance to you!

Maybe the thing for us to do its establish a check list of insurance items. All items may not be important to you but it would be nice to know of things to look for. GAP insurance is one of those items you may not want to pay for but it is worth looking into.

Things like;

Look for 12 month policy (coverage can't change in that time)
Permanent attachment coverage for awnings, antennas etc.
Glass Endorsement
Personal belongings with actual replacement cost
Gap insurance for full replacement cost coverage
Turn off collision amount when RV is in storage.

What would you add?
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?
__________________
Jim Aka RV-Writer
8 year US Navy Veteran - Lifetime VFW Member
1998 Holiday Rambler Endeavor 37CDS (38 footer) DP
2012 Honda CR-V AWD under 4000 lbs
RV-Writer is online now   Reply With Quote
Old 09-27-2016, 10:55 PM   #9
Junior Member
 
Join Date: Jul 2016
Location: Salisbury, Pa.
Posts: 10
National Interstate was the cheapest I have found.
__________________
RV Poppy is offline   Reply With Quote
Old 09-28-2016, 12:10 AM   #10
Senior Member
 
Lv2Roam2's Avatar


 
Winnebago Owners Club
Freightliner Owners Club
Join Date: Jun 2014
Location: Somewhere On the Road
Posts: 355
Recommend you are 'up front and honest' with any insurer when asking for quotes. Are you full-timing, 1/2 time, approximate mileage, etc.? There will be a wide variance in quotes unless you're clear about what coverage the company is quoting. Also ask about 'loss of use' coverage, e.g., who pays for hotels, other transportation if a loss means months of repair (or replacement) for a unit ...

You do not want a surprise when it comes times for a claim and the company - perhaps rightfully - declines some or all coverage due to inaccuracies in the usage ...
__________________
Steve
2015 Itasca Ellipse | 2014 Jeep Grand Cherokee
Lv2Roam2 is offline   Reply With Quote
Old 09-28-2016, 12:29 AM   #11
Senior Member
 
JFXG's Avatar
 
Newmar Owners Club
Freightliner Owners Club
Join Date: May 2012
Location: Today? Garner, North Carolina
Posts: 3,259
Stuart.....
How you manage risk depends on how the MH is used.
New? Used? Fulltimer? Snowbird? Summer weekend camper?


John & Diane, fulltiming since '12 02 DS40, FL, Cat, '04 Element NHSO RVM103
__________________
John & Diane, Fulltimers. RVM103 NHSO
On the road since June '12 with Lincoln, the guard cat.
2002 Dutch Star 40, Freightliner, Cat 3126, 2004 Element
JFXG is offline   Reply With Quote
Old 09-28-2016, 06:42 PM   #12
Senior Member
 
StuartS's Avatar


 
Newmar Owners Club
Join Date: Aug 2014
Posts: 293
Quote:
Originally Posted by JFXG View Post
How you manage risk depends on how the MH is used. New? Used? Fulltimer? Snowbird? Summer weekend camper?
It will be a new Dutch Star 43' used a for short & long trips. A couple times in the winter & longer trips in the summer. But not full time.
__________________
StuartS is offline   Reply With Quote
Old 09-28-2016, 08:42 PM   #13
Senior Member
 
Join Date: Aug 2011
Location: Enjoying the Western States!
Posts: 4,613
The best thing to do is to just start calling around. Insurance will not be the same for any one person. It depends on the RV, your driving record, the state and even the county you live in, what you want in the policy, your credit score, age and others.

What is reasonable for one may not be reasonable for you.
__________________
Full-timed for 16 Years
. . . Back in S&B Again
Traveled in a 2004 Newmar Dutch Star 40' Diesel
twogypsies is online now   Reply With Quote
Old 09-28-2016, 09:50 PM   #14
Senior Member
 
alpha99's Avatar
 
Winnebago Owners Club
Join Date: Apr 2013
Posts: 934
Insurance for coach

In 18-36 months they all raise their rates after the initial teaser rate anyway.
__________________

__________________
alpha99 is offline   Reply With Quote
Reply

Tags
insurance


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Country Coach or American Coach or Alpine Coach Troys66 Class A Motorhome Discussions 14 01-04-2015 07:38 PM
Health insurance supplement insurance jacks647 iRV2.com General Discussion 29 04-16-2014 06:18 PM
Insurance shout-out for Overland Insurance OWV MH-General Discussions & Problems 4 01-22-2014 12:51 PM
Health Insurance - Texas High Risk Insurance Pool - How to choose an area mrschwarz Full-Timers 0 07-27-2011 05:48 AM

» Virginia Campgrounds

Reviews provided by

Our Communities

Our communities encompass many different hobbies and interests, but each one is built on friendly, intelligent membership.

» More about our Communities

Automotive Communities

Our Automotive communities encompass many different makes and models. From U.S. domestics to European Saloons.

» More about our Automotive Communities

Marine Communities

Our Marine websites focus on Cruising and Sailing Vessels, including forums and the largest cruising Wiki project on the web today.

» More about our Marine Communities


Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -6. The time now is 02:57 PM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.