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02-19-2011, 06:32 PM
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#1
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Senior Member
Join Date: Aug 2010
Posts: 262
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Insurance Info needed
The upcoming summer will be my first summer since i purchased the MH, and hopefully will be making some trips with it. I purchased it last June and only used it for local parks. I presently have insurance with state farm, my house and two cars are insured with them as well as the MH. I am wondering if some of you experienced RV'ers can give me (based on your experience) the questions to ask the agent as well as the company to insure with, and also what coverages i should have. I do not want to find out what i should have had while many miles away from home. I just want to have complete coverage for what ever you say is necessary. I have a 2000 tradewinds, model 7373 unit. Thanks, Rivrduk
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02-19-2011, 07:25 PM
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#2
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Senior Member
Winnebago Owners Club
Join Date: May 2010
Location: East Coast Fl
Posts: 1,229
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Be sure to talk with your SF agent about a $ 1 million umbrella policy that will cover all your stuff. If you are accident free and have been with them a number of years, look long and hard before you make a change. Also be sure to compare apples and apples and not apples and oranges. Decide on your deductibles and liabilities (if you don't go with the umbrella). Also, where you live makes a difference. I could save a few dollars by going to another company but I don't want any surprises after an accident.
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02-19-2011, 08:02 PM
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#3
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Moderator Emeritus
Join Date: Jan 2000
Location: West Palm Beach, FL. USA
Posts: 27,676
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Liability, collision and comprehensive (non-collision damage) is pretty much the same as auto insurance. However, Personal Effects coverage for an RV covers a lot more than your clothes and camera, so I suggest making that coverage much larger than the typically $2000-$3000 amount. Anything removably attached to the outside of your RV is considered a "Personal", even the tow bar or a bra. And you have a lot more personal stuff inside as well- clothes, food, sports and electronic gear, computers, etc. It can really add up if there is a major loss.
Full replacement value coverage may be a good idea, but read the fine print carefully. They just don't write you a check for the original purchase price - you have to actually buy another rig at a price the same or greater than the original to collect the full amount. And if you have a large loan, full replacement doesn't pay off the entire load if it exceeds current market value. For that, you want what is called "gap" insurance - the difference between the load and fair market value. Not all insurers have that, but sometimes the lendor offers it.
I would skip the insurers towing coverage in favor of a Roadside Assist package from Coach-Net or Good Sam. much more comprehensive (but also more expensive)
__________________
Gary Brinck
Former owner of 2004 American Tradition and several other RVs
Home is West Palm Beach, FL
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02-20-2011, 05:58 AM
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#4
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Senior Member
Newmar Owners Club
Join Date: Jul 2006
Location: Wellington, Florida
Posts: 13,599
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Hi rivrduk,
In addition to what has been posted, consider contacting an Insurance Broker who specializes in motor coach insurance. They advertise in the motor coach magazines (FMCA, MotorHome, etc.) Farm & City is a good example. Their contact number is 800-331-1520. They can take you through all the items you should consider. After all it is their job to sell you insurance. The advantage of a broker is they will look at many companies to find the best rate for the coverage you have selected.
The result of you contacting a broker is the topics you should be considering will be mentioned. That will answer the question posed in the OP.
__________________
Gary
2005 Newmar KSDP 3910 + GMC ENVOY XUV 37K lbs Moving Down The Road
The Avatar Is Many Times Around The USA
Nobody Knows Your Coach Like Somebody Who Owns One Just Like Yours
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02-20-2011, 06:26 AM
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#5
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Senior Member
Fleetwood Owners Club
Join Date: Oct 2009
Location: North Carolina
Posts: 705
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Our $800 per year includes everything Gary B mentioned in his post plus Coach-Net road service. I can't tell you if that is a good deal or not. We are taged & titled in FL and use National Interstate.
Dave
__________________
David & Gail Salisbury, NC
2003 American Eagle 42'
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02-20-2011, 06:28 AM
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#6
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Senior Member
Join Date: Jul 2008
Location: Sarasota, Florida
Posts: 606
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If you are old enough to qualify for AARP check out the AARP/Hartford auto and MH insurance. We decided to take it and had purchased a Coachnet membership. The Hartford insurance came with a comparable roadside assistance package that was comparable to Coachnet except for the concierge items. We got a darn good deal.
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02-20-2011, 06:44 AM
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#7
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Senior Member
Freightliner Owners Club
Join Date: Jun 2009
Posts: 458
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Quote:
Originally Posted by randco
If you are old enough to qualify for AARP check out the AARP/Hartford auto and MH insurance. We decided to take it and had purchased a Coachnet membership. The Hartford insurance came with a comparable roadside assistance package that was comparable to Coachnet except for the concierge items. We got a darn good deal.
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If you hadn't mentioned AARP I would have listened,was with them 10 years ARRP,but when they use my money to promote canadates againts this country I'm gone,sorry if this is Political.
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02-20-2011, 08:56 AM
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#8
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Member
Join Date: Jan 2011
Posts: 46
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Quote:
Originally Posted by DBOL
If you hadn't mentioned AARP I would have listened,was with them 10 years ARRP,but when they use my money to promote canadates againts this country I'm gone,sorry if this is Political.
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i'm with you..aarp sucks
peter d
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02-20-2011, 11:12 AM
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#9
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Senior Member
Winnebago Owners Club
Join Date: May 2010
Location: East Coast Fl
Posts: 1,229
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x's 3 on AARP
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02-20-2011, 11:35 AM
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#10
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Member
Join Date: Feb 2011
Location: half way beteen Dayton And Mount Belview on 1409
Posts: 34
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We have a '96 PaceArrow, 34-ft., Class A. Our insurance for the upper end liability with uninsured/under-insured motorist through Foremost, which is roughly $200.00 per year (in TX). We paid cash for out unit. You may check with them. We used Foremost with our previous 1978 Southwind, motorhome, 24-ft, Class A. We've found them to be cheaper than others with the same coverage.
Old Traveler
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