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Old 02-18-2013, 07:31 PM   #1
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Insurance help please Class A

I am brand new to the iRV2 and would really appreciate some assistance from those of you that are experience. I am at a loss as to which RV Insurance company to go with. Good Sam, Progressive, Explorer RV, RV America, Foremost or Twin Peaks. Our plan is to use the RV full time for 6 months then in storage for 6 months. What are the best deductable to take, and limits that you have found best as far as Bodily Injury/Property, Uninsured motorist, Med payments, comprehensive, Collision, Emergency Exp. if breakdown, Roadside assistance, replacement cost. Wow am I missing anything.
Thank you in advance for all of your input.
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Old 02-18-2013, 07:52 PM   #2
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I have used Progressive for 6 years. They are a bit more expensive than Good Sam (which is GMAC insurance), but have been good with the one claim I had (window shield). Good Sam allows you to drop the collision part of your insurance when it is in storage which is a nice money saver, however, they do not allow you to set a reasonable "declared value" for your coach under their comprehensive insurance (coach catches fire at the storage facility, for example). My sense is that Good Sam (GMAC) will give you, in their terms, fair market value...simply translated, I believe it would end up being wholesale...this could cost, in my case, $10-$15k. With Progressive you can set the "declared value" and pay the premium accordingly. My coach has a declared value of $70,000, which is what they would pay if I had a total loss. In my case, I adjust the "declared value" each year to the current NADA "average retail" for my coach...this keeps the premium down. With a declared value of $70k along with, generally, standard coverages, my premium is about $1100. Good Sam's quote to me last year, I believe was around $700-$800...with no "declared value" option. For $300 a year I do not have to worry about getting into a pissing match with my insurance carrier. Further, I believe that Progressive allows you to suspend the collision portion of the insurance for a minimum of 30 days at a time, if I recollect.
Hope this helps.
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Old 02-18-2013, 08:23 PM   #3
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Start out by checking with your home/auto insurer that you have now. Sometimes you have multiple discounts available depending on your past history, etc. Also, be sure to compare apples with apples and not apples with oranges regarding what coverages are offered. Also, watch out for companies that start you out with a great premium but when renewal time comes, the premium suddenly jumps 50% or more. Good luck.
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Old 02-18-2013, 10:14 PM   #4
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As Barlow46 stated check with your current auto insurer. They usually know you and most if not all auto insurer will insure a MH. I have Geico for all my vehicles and the premium is low and the service (the one Sunday I used it for the MH) was excellent. But shop around
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Old 02-18-2013, 10:38 PM   #5
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I have GMAC. THey were very responsive to my claim when the wind ripped the awning off as we drove through SD. THat was more than a year ago and my rates have not increased.

GMAC offers full replacement value for the first 5 years.
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Old 02-19-2013, 06:15 AM   #6
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We have had Formost, State Farm and several others, however I find that AARP and Hartford insurance works best for us. For one thing it is payable by the month, I like that. Much easier to budget on a monthly basis, rather than putting back the amount for a yearly or simi annual payment. Haven't had a claim with them, but have read of others that have and had no problems, course as with anything there will be good and bad, no doubt.
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Old 02-19-2013, 08:51 AM   #7
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I would suggest checking with an RV insurance broker such as http://www.gilbertrvinsurance.com/ They deal with several companies and can advise on different coverages.
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Old 02-19-2013, 11:08 AM   #8
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Has anyone had issues with getting RV Insurance when using the Rig Full-time? We are......
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Old 02-19-2013, 04:49 PM   #9
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Good Sam (GMAC), been with them for 12 years. Fire totaled my Foretravel five years ago, they paid me what it was worth counting the upgrades I had made. Can't get much better than that. Only minor rate increases over the years due to the area in which I live. My coach, and four autos with comp/coll on all= a tad over $1350/year and it is a 12 month policy.

Full timing is much higher because there is no blanket homeowners coverage on the liability issue
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Old 02-19-2013, 05:08 PM   #10
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We also use AARP Hartford which also bundles the other two autos and home. They allow us to drop collision and comprehensive when we put it in storage. We just call them and they add it back when we're ready to go again. They started coverage on the purchase price of the MH. Full coverage was much better than others, but again it was bundled.
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Old 02-20-2013, 02:09 PM   #11
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After months of research I went w/Blue Sky great company and great price!
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Old 02-20-2013, 03:31 PM   #12
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Quote:
Originally Posted by mrock View Post
After months of research I went w/Blue Sky great company and great price!
I recommended my brother to Blue Sky based on what I had read on various RV forums. He has a 5th wheel with F450 Flatbed truck. His auto insurance would not cover the truck since they considered it commercial. Blue Sky would cover it only if the 5th wheel was included. It worked out ok for him, however, he has never had a claim.

When you state great company and great price, have you had any claims with Blue Sky and have you had any premium increases. Would really like to hear from someone who has been with them for a few years and have had any claims to determine if I want to go with them. Thanks.
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Old 02-20-2013, 09:49 PM   #13
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GMAC here

You can reduce coverage and costs while the coach is not operated.
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Old 02-21-2013, 06:38 AM   #14
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I have not had a claim with them but did a fair amount of due diligence research. Company has been around for a long time. High AIM Best rating; increased my component liability (laptop etc) to $5K for a few dollars. Please let me know what you uncover. Thx
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