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Old 07-21-2013, 09:24 PM   #1
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Insurance on Class A Motorhomes

Hello all, can anyone tell me what the average cost annually for Class A motorhome insurance is? I live in California.
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Old 07-21-2013, 09:38 PM   #2
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Oh no, you will probably get a million posts on this topic. Mainly because there are a million answers.

One example is mine, if you have the home, the cars, maybe some life insurance, and possibly an annuity, and an umbrella policy over that, with the same company, you will probably get a significantly different RV coverage cost then if that is the only coverage you are asking for a quote for.

If you are looking for separate companies for each type of coverage, be sure to include a quote from Good Sam Club. They specialize in that coverage and you may find them very competitive in cost. Also, Farmers, State Farm, and others are very competitive for the same coverage.

Just my 2 cts
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Old 07-21-2013, 09:41 PM   #3
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Definately depends on may factors as with all insurance. I can tell you that I pay approx.$600 a year for a 2014 32' gasser. Much cheaper than auto ins.
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Old 07-21-2013, 09:50 PM   #4
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Btw, welcome to the iRV2 club. These folks seem to always provide good responses.

Come to the national rally in September. They may even have some topic talks on that and/or other topics. We will find out how good it will be based upon attendance I suppose.
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Old 07-21-2013, 09:53 PM   #5
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Definately depends on may factors as with all insurance. I can tell you that I pay approx.$600 a year for a 2014 32' gasser. Much cheaper than auto ins.
X2, very reasonable for value underwritten versus an automobile that is far less value.
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Old 07-21-2013, 10:38 PM   #6
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...If you are looking for separate companies for each type of coverage, be sure to include a quote from Good Sam Club. They specialize in that coverage and you may find them very competitive in cost. Also, Farmers, State Farm, and others are very competitive for the same coverage...
It will also depend on your usage. Be careful which company you select. For example, I've had all my coverage with State Farm for years, but when I was buying the coach last year (I had had a small camper with them) my agent apologized and told me State Farm would love to insure my RV, but their coverage was all geared toward intermittent users-- not fulltimers. Their cover simply would not be adequate or appropriate for people who live full time in the coach. It was good of him to tell me, but he is a professional, so it was really no surprise.
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Old 07-21-2013, 10:51 PM   #7
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X2 go with a rv and boat specific company. There are many
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Old 07-22-2013, 05:13 AM   #8
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MH ins

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It will also depend on your usage. Be careful which company you select. For example, I've had all my coverage with State Farm for years, but when I was buying the coach last year (I had had a small camper with them) my agent apologized and told me State Farm would love to insure my RV, but their coverage was all geared toward intermittent users-- not fulltimers. Their cover simply would not be adequate or appropriate for people who live full time in the coach. It was good of him to tell me, but he is a professional, so it was really no surprise.
Yes, do make sure you tell them if you full time or not & what you want covered....don't assume this or thats covered.
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Old 07-22-2013, 05:50 AM   #9
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VALUE???
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Old 07-22-2013, 06:36 AM   #10
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Brace yourself....Up here in the Great White North I pay $1300/ year.
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Old 07-22-2013, 10:51 AM   #11
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Here in the Sunshine far SE for Full Time I pay $1,116.00 for a year to Good Sam :(
Toad $1,014.00
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Old 07-22-2013, 11:06 AM   #12
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X2 go with a rv and boat specific company. There are many
Yep that's the thing to do When I had a Class B it was with my auto, house, etc. company. But when I bought the Class A went with an RV specific company at my agents recommendation. And boy am I glad I did - had theft and damage about a month ago and had zero problems with claim. I believe it was in part because they understand the motorhome industry. As for $$$/year ends up right about $1000
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Old 07-22-2013, 07:13 PM   #13
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2013 Fleetwood 29ft, usage is vacationing. Full coverage, 250/500/250 $1000 deductible, roadside assistance, glass, all coverage possible, everything $380 per year. As a former Insurance agent I will tell you the big three will stick it to you, and their coverage isn't better.

Good luck and happy RVing!
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Old 07-22-2013, 07:35 PM   #14
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2013 Fleetwood 29ft, usage is vacationing. Full coverage, 250/500/250 $1000 deductible, roadside assistance, glass, all coverage possible, everything $380 per year. As a former Insurance agent I will tell you the big three will stick it to you, and their coverage isn't better.

Good luck and happy RVing!
And you use........?
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