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Old 12-07-2013, 07:08 PM   #155
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I have had Progressive on all my bikes and my motor homes, I've never had to use them for my MH but I did have a 2009 BMW 1300GT and it was damaged twice to the tune of $2800.00 and $1700.00 and only a year apart. Never a single issue. They seemed more than happy to pay the claims.

I have every confidence that if I have an issue with my MH that the experience will be just as good. Hopefully I'll never need to find out

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Old 12-08-2013, 11:14 AM   #156
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Insurance Companies yearly increase

I have read most of these posts and on nearly every page I see where insurance has gone up each year regardless of accident or lack of.

If you ever wondered why the company you worked for switched health insurance companies every couple years here is my story.
I had a small business with family members working. The insurance always went up every year. I stayed with one company because they were fair. I went thru a private agent and she did a good job. The insurance payment finally got so high I could no longer afford to pay it so I asked her to search for a better deal. After a few days she sent me a letter with a better deal. Strange but it was the same company I already had. The cost was the same as I had paid 4 years before for the same exact plan. I asked her what was the deal and she told me that is the way it works. I should find a different company at least every other year because all insurance companies increase policys every year. What happened to me happens to all of us. If you do not believe me check it out yourself.

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Old 12-08-2013, 11:34 AM   #157
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I have been with GMAC for almost 6 years with full replacement coverage. My premium hasn't changed since day one.
Wayne & Roberta and Maggie the Miracle Dog
08 Winnebago Destination 39W Gas UFO Workhorse Chassis
Making the Journey in our Destination

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Old 12-08-2013, 08:50 PM   #158
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Originally Posted by pagosajoe View Post
AARP/The Hartford wants $647 a year for our coach. Nice to be an old fart.
I have 3 cars and the home insured with AARP but never thought to inquire about their coverage on a RV. Have you been able to tell if they cover all the different things on an RV that's not on an ordinary vehicle, both inside and attached to the outside? I've read that a company that insures cars may not have the expertise to insure an RV.

I may have to call them before my Progressive policy premium comes due in January.
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Old 12-09-2013, 09:28 PM   #159
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Beware of Progressive

It is certainly interesting, as previously said, to see such diametrically opposed opinions and experiences. I have had USAA/Progressive for a little over a year, my rates stayed the same in the second year, and for 47 years I have depended on USAA and its subcontract companies for insurance on my vehicles, including boats and motorcycles. I have never been disappointed, but . . . . I am about to submit my first claim to Progressive for damage done during a wind storm in Southern CA's high desert area which tore the awning reel off the side of our Lorado, destroyed the supporting structure, and beat up the side of the coach while we were away from it for a few hours. I agree that the service or lack of service is entirely dependent on the office and agent assigned to the claim. I will report back with the results of the local agent/adjuster.

Grzly03, Dick Nester, Temecula and Apple Valley, CA.
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Old 12-10-2013, 07:39 AM   #160
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I ended up with geico who charged me 1134 per six months for both the rv and my 2010 Subaru outback, roughly 193 per month
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Old 12-11-2013, 02:52 PM   #161
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Insurance Companies

It saddens me to read articles like this. We have a 36" Phaeton travel quite a bit, and I also am a licensed agent in many states who owns a general agency (we are program managers that underwrite property and casualty for 8 insurance companies including Lloyds), we have handeled hundreds if not thousands of claims over the last 20 + years. We try to be fair with everyone as this is both personal and business. Not everyone will let you be fair or nice, having said this insurance is one of the most mis-understood products available because of the legal aspects and frankly you have to read your policy when buying (dull I know but important). Having said all of this this is my recommendation to anyone who ask my professional opinion:
1. Form a relationship with your agent (he or she is licensed and should be your spokesperson with claims and company issues) Progressive can be attained both direct on line from company or through independant agents who specialize in this (my personal choice)
2. Every state has a regulatory department of insurance governing laws of insurance, and NO company or AGENCY wants them on their back we do everything possible to resolve all situations before a complaint is filed or worse SUED, again all situations cannot be resolved thus the need for lawyers (no slam I just state the facts),
Hope this helps and being in the industry, I apologize to the folks that have had bad experiences. Old Abe said it best
“You can please some of the people some of the time all of the people some of the time some of the people all of the time but you can never please all of the people all of the time.”

Happy Trails,
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Old 12-11-2013, 05:03 PM   #162
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[QUOTE=wagonmaster2;1837982]I have 3 cars and the home insured with AARP but never thought to inquire about their coverage on a RV. Have you been able to tell if they cover all the different things on an RV that's not on an ordinary vehicle, both inside and attached to the outside? I've read that a company that insures cars may not have the expertise to insure an RV.

I have the AARP Hartford ins. on everything including the MH. The MH policy is about $650/year. I received junk mail from Good Sams wanting me to switch over so I called Hartford and went over each line item of whats covered with Good Sams and Hartford matched up for each of them. Plus Hartford started free road side assistance this year. They also cancel my comprehensive and collision each year when I call after putting it in our storage. I usually get a $200+ check back from them. You have to keep liability on so that the house insurance will cover it in case of theft or fire. That's some razzel dazzel insurance law that says that in order for a state registered vehicle to be covered by your home owners policy it must have paid liability insurance on it. Haven't had a claim on the MH but we have on the truck and Jeep and they were great.
02 Fleetwood Discovery 37U, 330 Cat pulling a 2006 diesel Liberty..or..2011 4dr Wrangler..or..20' Lund Salmon/Halibut Hunter
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Old 12-11-2013, 07:01 PM   #163
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As an insurance broker, just because a carrier calls it a motorhome policy doesn't truly mean it is a motorhome policy and will cover things like campsite liability. Cheaper isn't always better no more than expensive means it is better.

I had Progressive for 12 years with no claims with "agreed value", so I had no deductible and the agreed value is what I paid 12 years previously for the coach. I paid 12 years of premium for an inflated value of my coach. When my coach burned up, Progressive wanted to accuse me of arson and asked me many questions not pertinent to the claim. They also ignored the $10,000+ in upgrades I had put into my coach a mere 10 days prior, including wood floors on a 45, new valances, blinds, razor thin LED TV's and toilet. Even with no lien on the coach, a very high credit score, Progressive attempted everything under the sun not to pay me the agreed value.

I also have Progressive on my PWC's, but I will never have them insure a Motorhome again. The "specialist" adjuster they sent out knew nothing about Motorhomes, even when I asked him how many motorhomes did he see with wood floors, let alone on a 45 including the closet. At the time razor thin LED TV's was brand new technology, he said he had never seen a TV so thin, but he didn't want to pay for them even though they were scheduled.

The lesson is you should find a broker or agent who understands motorhome policies. You may have personal property, but if you have a tow bar and any modifications to your toad (brakes, transmission pump, etc) they may not pay for them as the are considered a "performance enhancement". I have sold insurance for 30 years (not for Progressive) and never heard so many excuses. I finally asked he adjuster's manager if this was about paying $162k for a coach worth roughly half of that amount and he stoically stated "yes". I asked him if he wanted to pay the ACV of the policy then he should get approval to pay me back the "agreed value" premium I paid for the past 12 years.

I ultimately received my money, but I wonder what would have happened if I didn't know the contract language and how the industry worked?

I am not saying Progressive is bad, but you must make sure you understand the policy you are purchasing and specifically what it covers. I would ask specific questions in writing and get the answers in writing! Specifically if you are towing a toad, is the auxiliary brake covered, tow bar, transmission lube pump, etc?

Even the lawn chairs was an issue, patio carpet, trailer tongue scale, and many other items. Good luck!
Johnny Rotten
2009 American Eagle 42'
Trailering HD Road Glide and Saab 9.3 or Cadillac Escalade ESV
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Old 12-11-2013, 09:06 PM   #164
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Folks, insurance... Is three items; coverage, price, service/delivery of coverage. You are almost all are approaching your protection inefficiently. Start by looking at your state's insurance commission report for complaints per million $$$ of premium. In my state my company ranks highest (of national companies) with fewer complaints than all of the companies mentioned here. No we're are not perfect, just consistently good. For this discussion the name is not important. You can also look at Collision Week (they poll body shops), university of Michigan reports, Consumer mags, JD Power (claim information)... The list goes on.
If every company fixed vehicles according to manufacturer specs like mine, all premiums would be the same. If you want cheap insurance then read no further-the Bouncy brunette & the lizard have sucked you in.

Coverage, price, delivery of coverages/service/advice. 3rd party information sources are important.

Insurance companies "model" individuals for expected loss patterns & many things, including portions of credit scores are valid indicators. I have few losses & want to be distanced from those having more. Some states can use comp losses, emergency road service claims in your model. It's fair. Please know that after 30 years in the industry I don't say flippantly that if you think you can do better then do so. They auto insurance market is highly competitive & fair in its pricing. Cheaper means something is being cut and it's not their bottom line, it's your claim, lack of advice, etc.

You drive nice RV's, get a fair value for your insurance or get it cheap & take your own risk.

Very sincerely, Dave. :-)
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Old 12-11-2013, 09:11 PM   #165
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Originally Posted by H. Miller View Post
We have USAA for everything. At purchase of the MH they advised "we do not insure MH's but Progressive has a program for our people". Even a special phone number which is answered "USAA Progressive. As long as Progressive is competitive we will rely on USAA's big stick should a problem occur....
Progressive is a separate company - USAA has no stick to wave at them.
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Old 12-11-2013, 09:12 PM   #166
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Originally Posted by Wizard View Post
I dropped Progressive after three years, my rates went up every year until it was more thar the State Farm I had previously. No claims was filed during that period.
They suck you in with low rates.... Throw it against the wall & see what sticks....
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Old 12-11-2013, 09:14 PM   #167
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Originally Posted by Camping4fun View Post
You said that State Farm would write you a check for it why? It wasn't sitting at your home.
Doesn't matter where it is; physical damage to motorhome isn't covered by home insurance. Personal property might be.
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Old 12-11-2013, 09:14 PM   #168
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Originally Posted by ajm12 View Post
Had Progressive on my Cars, then when i bought my MH i shopped around found AARP had the best price saved lots. Have not had to file a claim yet so we will see.
Better check Hartfords claims status with your state commissioner....

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