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 08-11-2012, 07:55 AM   #15
Senior Member
 
Bigd9's Avatar


 
Join Date: Jun 2012
Location: The Bluegrass State
Posts: 3,857
Also look at what they cover as far as contents. On my DP we lost to a fire, we had "replacement cost" and it was a life saver. All I had to do was list each and every thing right down to toothpicks in the motorhome, estimate when we had purchased the item, and got prices from Amazon.com. State Farm paid the depreciated value right away and when we actually bought the item they paid the difference between the actual price and the depreciated value. This process was very time consuming and required me to set up a spread sheet just to track the progress, less we forget something. Toward the end of the two year period we had to get all this done, we remembered we had forgotten to list snorkeling gear. State Farm had no problem modifying the original list and paying for it.

I have a suggestion for all of you. Take yearly pictures of every room and every drawer in your RV's and/or stick homes and store these pictures someplace away from the unit. Trying to list the items you have accumulated is much harder than you think. Example: did you remember the silk flower arrangement you had on the table, or the picture on the wall?
Attached Thumbnails
Click image for larger version

Name:	BigD Fire (28) 1024 x 768.JPG
Views:	29
Size:	308.1 KB
ID:	24662  
__________________

__________________
Good Luck, Be Safe and Above All, Don't Forget To Have Fun
Pete
2006 Fleetwood Discovery 35H, being pushed by a 2014 Honda CRV
Bigd9 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 08-11-2012, 09:31 AM   #16
Senior Member
 
Join Date: Aug 2011
Location: Western New York
Posts: 514
just added the insurance for the soon to be mine (and of course DW) 2011 Georgetown gasser, currant company that has our stick built and two cars along with present Allegro wanted $758. Agent switched us over to Progressive, $522 along with better coverage.
__________________

__________________
vincee is offline   Reply With Quote
Old 08-11-2012, 10:44 AM   #17
Senior Member
 
wa8yxm's Avatar
 
Damon Owners Club
Workhorse Chassis Owner
Join Date: Mar 2009
Posts: 22,787
Not every company is comfortable writing motor home policies,

If you belong to FMCA, check with AEON (Ads in every magazine they send you)

Check with Nationwide

And in general remember what Mama told you about girls.. "Do the shop around" (Remember that song).

Odds are you will switch your opinion of your former insurance company when you see how much you can save by shopping around. Well, you may not change the opinion of the company but you will of that letter.

One RVer in another forum mentioned how much his policy went UP this year (No addicents, no tickets, no anything that should jack the cost) Mine went DOWN. In fact his increase was not much different than my policy.. I'm with Nationwide.
__________________
Home is where I park it!
wa8yxm is offline   Reply With Quote
Old 08-11-2012, 11:20 AM   #18
Senior Member
 
Dunner's Avatar
 
Join Date: Jun 2011
Location: Phx, Arid~zona
Posts: 11,106
My Allstate MH policy went down $30 since last year. I'm sure it had to do with the age of the MH, which is normal.
__________________
2004 32' National Sea Breeze 1311 Class A on a F-53 Chassis, CHF, TST TPMS, 5Star Tune.
If Dunner (RVM23) can't fix it, it ain't broke!
Cheap Handling Fix Poll. Click Here to vote?
Dunner is offline   Reply With Quote
Old 08-11-2012, 11:49 AM   #19
Senior Member
 
H. Miller's Avatar
 
Monaco Owners Club
Texas Boomers Club
Join Date: Jan 2009
Posts: 2,523
Quote:
Originally Posted by Kathy_MD View Post
Thanks Gary.
I have USAA for everything (Home, Auto, Motorcycle), but they don't cover Motorhomes. They (USAA) sent me to Progressive and they gave me a quote of $450 a year. Still shopping and thanks for the link to RV Advantage (I filled out the on-line forms and await their response).

Kathy
We also have all coverages with USAA and were sent to Progressive 3+ years ago. Initial policy was in the same ballpark as yours. At third renewal it was nearing $1,000 having gone up each year. We now use an agent who represents several companies. We are back under $500/year with $11,000 more coverage. I'm not impressed with Progressive's tactics.
__________________
Hal & Ginny Miller '04 Beaver Santiam PRT40
'04 Saturn Vue - US Gear Brake - Blue Ox tow
4"girls" (3 Irish Setters - 1 Retriever) - RIP Annie
H. Miller is offline   Reply With Quote
Old 08-11-2012, 12:14 PM   #20
Senior Member
 
Dunner's Avatar
 
Join Date: Jun 2011
Location: Phx, Arid~zona
Posts: 11,106
Interesting and good to know how Progressive gouges after you are with them. Anybody else have this happen to them with Progousive.
__________________
2004 32' National Sea Breeze 1311 Class A on a F-53 Chassis, CHF, TST TPMS, 5Star Tune.
If Dunner (RVM23) can't fix it, it ain't broke!
Cheap Handling Fix Poll. Click Here to vote?
Dunner is offline   Reply With Quote
Old 08-11-2012, 12:20 PM   #21
Senior Member
 
djbmsu's Avatar
 
Join Date: Nov 2011
Location: Charlotte Harbor, FL
Posts: 1,806
I was with Hartford Ins for years. Then bought a new coach and the policy skyrocketed. Contacted 21stCentury and they saved us over 650.00 on Coach, and two vehicles.
__________________
Don and Nancy
[2014 40QBH Phaeton, 2015 Buick Enclave, 2yr old sisters Sara n Kaycee, Havanese, Two Segways
djbmsu is offline   Reply With Quote
Old 08-11-2012, 12:26 PM   #22
Registered User
 
Join Date: Mar 2011
Posts: 1,943
American is what I had when I banged up the Essex. Probably killed the company. Went with Progressive. (Wife runs an Insur Agency) You do know that your rates are adjusted for incidents AND your credit history.
__________________
Perry White is offline   Reply With Quote
Old 08-11-2012, 01:34 PM   #23
Senior Member
 
Join Date: May 2012
Location: White City, Oregon
Posts: 240
Lightbulb

Quote:
Originally Posted by dons2346 View Post
Don't wait until your policy expires to find new insurance. One of the questions from a new company will be: Have you been denied insurance of have you been refused renewal"? If you answer yes, then you will be assessed at a higher rate.

Start now and find a new policy before yours expires, get it in place and then cancel the current policy before the expiration date. This way you are not lying and the rate will be better.
DEAD ON!
__________________
fredaevans is offline   Reply With Quote
Old 08-11-2012, 01:38 PM   #24
Senior Member
 
Dunner's Avatar
 
Join Date: Jun 2011
Location: Phx, Arid~zona
Posts: 11,106
I have 5 credit cards that I pay off in full before they are due, yet AmFam sent me a letter saying "The credit factors that most influenced my insurance score were insufficient length of credit history." I paid for my house for 14 years. Is that not a long enough history? I dumped them and saved over $1000 a year by going to Allstate.
__________________
2004 32' National Sea Breeze 1311 Class A on a F-53 Chassis, CHF, TST TPMS, 5Star Tune.
If Dunner (RVM23) can't fix it, it ain't broke!
Cheap Handling Fix Poll. Click Here to vote?
Dunner is offline   Reply With Quote
Old 08-11-2012, 01:52 PM   #25
Moderator Emeritus
 
Gary RVRoamer's Avatar


 
Join Date: Jan 2000
Location: Silver Springs, FL. USA
Posts: 18,066
Quote:
I have American Modern and have made a claim, but haven't received a letter yet. I'm in New Mexico but it's hard to imagine the state would matter.
Another reason that the state matters a great deal is the actions of the state's insurance commission. Each of them has a different set of rules and requirements for doing insurance business in their state, including required donations to risk pools, mandatory coverages, and other factors that create extra costs for the insurer. Sometimes the insurer just decides to stop doing business in the state rather than comply. It's an easy choice if you don't have a lot of customers in that state to begin with.
__________________
Gary Brinck
Former owner of 2004 American Tradition
Home is in the Ocala Nat'l Forest near Ocala, FL
Summers in Black Mountain, NC
Gary RVRoamer is offline   Reply With Quote
Old 08-11-2012, 01:55 PM   #26
Senior Member
 
Theberrys's Avatar


 
National RV Owners Club
Join Date: Jun 2009
Posts: 2,605
Quote:
Originally Posted by Dunner View Post
I have 5 credit cards that I pay off in full before they are due, yet AmFam sent me a letter saying "The credit factors that most influenced my insurance score were insufficient length of credit history." I paid for my house for 14 years. Is that not a long enough history? I dumped them and saved over $1000 a year by going to Allstate.
I hear you on that! I haven't owed anyone for fifteen years including mortgages and car payments and my rating is "Nonexistent Credit Status". It really does matter if you decide not to pay interest to somebody. Guess we will just have to continue to pay for things we buy, apparently it's Un-American these days. If you need a loan, bad credit is better than no credit history.

PAZ
Thanks for the info on the State does matter. I guess I'll just have to wait till closer to Dec. when the renewal is due to see if American Modern will continue to insure me. BTW There claim serve was excellent.

Dick
__________________
1999 Tradewinds 7372 Cat 3126
Albuquerque, NM
Theberrys is offline   Reply With Quote
Old 08-11-2012, 02:47 PM   #27
Senior Member
 
Dunner's Avatar
 
Join Date: Jun 2011
Location: Phx, Arid~zona
Posts: 11,106
I would bet if I paid interest, it would be more than the insurance deduction I would get.
__________________

__________________
2004 32' National Sea Breeze 1311 Class A on a F-53 Chassis, CHF, TST TPMS, 5Star Tune.
If Dunner (RVM23) can't fix it, it ain't broke!
Cheap Handling Fix Poll. Click Here to vote?
Dunner is offline   Reply With Quote
Reply



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


» Virginia Campgrounds

Reviews provided by


Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -6. The time now is 05:08 PM.


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