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Old 12-03-2012, 10:14 AM   #1
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Which RV Insurance and Extended Warranty?

We are newbies buying an Entegra Anthem. Considering an extended warranty. Dealer is selling StarRV. Any suggestions or comments?

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Old 12-03-2012, 10:18 AM   #2
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I use GMAC for insurance. Normally I would not by an extended warranty / service plan, as in the long run it is cheaper to be self insured in such matters.

These are often posed questions, so a search will provide several recent existing discussions as well.

Vince and Susan
2011 Tiffin Phaeton 40QTH (Cummins ISC/Freightliner)
Flat towing a modified 2005 Jeep (Rubicon Wrangler)
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Old 12-03-2012, 08:45 PM   #3
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I have Nationwide, could not be more satisfied. Claim handled
flawlessly. No extended warranty.
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Old 12-03-2012, 09:44 PM   #4
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We have GMAC insurance. Woujldn't consider purchasing a extended warrente from a dealer. They make as much as 50% comission. Read the posts on IRV2 about the nightmares people have with these plans. Many people swear by Good Sam's extended, but then others complain about it. search the POSTs and research. be sure to get a sample policy, have your attorney read it.. There is an old saying.... The LARGE print giveth......the small print taketh away. ed
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Old 12-03-2012, 11:59 PM   #5
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If you decide to buy an Extended Plan, be sure it has a consequential damages rider and it is an exclusionary ploicy vs. an inclusionary policy.

As others have already noted there are several threads on the topic. I think this one has some very good review points in it Opinions of these Service Contract Providers

Myself and a few others did considerable research and posted it to the thread I referenced above.

For me CSI Allegiance worked out to be the best coverage for the price.

WIth the recent bankruptcy of Go RV Warranty you might want to give Wholesale Warranties a look. Both are/were brokers of the CSI policy.

After reading the posts you find of use, feel free to send me a message if I can help.

I like my GMAC policy. Had the wind rip my awning of as we were driving through SD. GMAC paid the claim without issue, little over $4000.00. THe following year my policy premium dropped a bit, mostly because I eliminated a driver, but still happy to have had a $4k claim and paying less. I found them very responsive.
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Old 12-04-2012, 03:39 PM   #6
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I use Progressive and have had no issue. Also they give a dissapearing deductible. I haven't shopped around much though.
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Old 12-04-2012, 04:21 PM   #7
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I too use Progressive and so far so good. Had the opportunity to use their roadside service and they did their part well. Tow company not so timely, but did a good job once on site.

Self insured for repairs.
Tom Wilds
Blythewood SC
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Old 12-04-2012, 09:23 PM   #8
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We have an '02 rig and I'm fairly good with a wrench (BS Mech.) We haven't bothered with roadside assistance. If I can't fix whatever's wrong, we'll seek local assistance wherever we are.

For insurance, since we have our homeowners' and auto insurance with Allstate and have been Allstate customers since 1972, we have our RV insurance with them also. The nice feature is that, when we park it off the street in our driveway for the winter and tell Allstate, they refund the remaining portion of the premium for "on-the-road" liability.

We haven't had a claim with Allstate since our son dinged Mom's Camry when he was home on leave from the Navy 19 years ago, so I guess they're in clover in regards to premium paid in versus claims paid out.
Frank Damp -Anacortes, WA,(DW- Eileen)
ex-pat Brits (1968) and ex-RVers.
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Old 12-04-2012, 09:27 PM   #9
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Originally Posted by Mrchips View Post
I use Progressive and have had no issue. Also they give a dissapearing deductible. I haven't shopped around much though.
We had Progressive, no claims, and about three years of reducing deductibles. Had a rock break the windshield of the Jeep. Found a local outfit that would replace it for $154 in my driveway. Called Progressive to find out how much it would cost going through them. They ABSOLUTELY refused to give me any information till I said (as coached) "that I want to file a claim". The quote was almost $400. I told them to cancel the claim (as they said I could). What they didn't say was that I lost the reducing deductible and my rates went up. When I went shopping for other companies Progressive told them that there was a claim on my record of $0 to $1000. They didn't bother to say it was 0. When I found out I contacted the State Insurance Comm., they said it was legal but certainly not ethical.

We now have GMAC

A couple months ago they replaced an awning and had paint damage fixed. Cost was a little over $4000. No problem at all even though the estimate wasn't the lowest.

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