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Old 10-21-2015, 10:47 PM   #1
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Which RV Insurance is the best

Our new Tiffin RV is scheduled to be ready about Dec 1.
We have not owned a motorhome before and need some help in finding which is the best RV insurance to buy.
Does anyone have recommendations for ... or warnings against any particular brand of RV insurance?
Thank you for any help that you can give us.
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Old 10-21-2015, 10:54 PM   #2
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Independent insurance agent...my guess is your dealer can give you a company. let him shop you to several...they are going to contact the same you'd contact, Progressive, Good Sam, etc, etc, but JMHO, they'll find the best deal with the most coverage based upon your driving record, state of record, and credit rating.
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Old 10-21-2015, 11:02 PM   #3
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great idea...never thought about asking the dealer.
Thanks!
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Old 10-22-2015, 06:25 AM   #4
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If you qualify for AARP via The Hartford - hands down the best on service (we had a windshield chip) and considerably less on the bank account. Been with them for 2 years.
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Old 10-22-2015, 06:41 AM   #5
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If you qualify, USAA also offers competitive rates.
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Old 10-22-2015, 06:47 AM   #6
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Originally Posted by MrBelvedere View Post
If you qualify, USAA also offers competitive rates.

...through Progressive. USAA does not insure RVs.



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Old 10-22-2015, 08:08 AM   #7
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Quote:
Originally Posted by dmcquinn View Post
Our new Tiffin RV is scheduled to be ready about Dec 1.
We have not owned a motorhome before and need some help in finding which is the best RV insurance to buy.
Does anyone have recommendations for ... or warnings against any particular brand of RV insurance?
Thank you for any help that you can give us.
We use Progressive and the service has be terrific on a couple of windshield chips. But we found that the most liability coverage they offer is less than we want, so we have added the MH to our umbrella policy with another company. Combination is working well. BTW, it was an independent agent that steered us to Progressive for this. I also insure an ATV with Progressive and the combination got us a discount.
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Old 10-22-2015, 08:21 AM   #8
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Depends if you need regular insurance or Full Time insurance. Not all sell Full time.

If you own a home usually the same insurance company that you have will give you a good discount on a RV for part time use.
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Old 10-22-2015, 09:15 AM   #9
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We were in the same situation as you, first motorhome, what insurance etc.. We have auto and home insurance with one company and called good sam for the coach. Good Sam takes your info and shops the best rate for you in a matter of minutes.
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Old 10-22-2015, 12:38 PM   #10
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Quote:
Originally Posted by dmcquinn View Post
Our new Tiffin RV is scheduled to be ready about Dec 1.
We have not owned a motorhome before and need some help in finding which is the best RV insurance to buy.
Does anyone have recommendations for ... or warnings against any particular brand of RV insurance?
Thank you for any help that you can give us.
Just be careful: Insurance for you is based on your individual need. Having said that what is it that you want to protect. My guess is the Motorhome, accidents, and all the liabilities you need to protect yourself against. When I researched this very important question, I was concerned about actual replacement cost, this is different than what most insurance companies initially quote. Also what deductible are you comfortable with, I have a great driving record and kept getting quotes with $5,000.00 deductibles. I finally got a $500.00 deductible. I also advise you to Google the reputation of the company as to: "How easy it is to get a claim filed, not to mention paid. Replacement value cost more, but beats the book value of the day when an incident happens. Also my replacement value is locked in three years at a time. Finally, find out what your state recommends for insurance. Many State Courts will only adjudicate what your Insurance Company pays as long as the coverage meets State minimum guidelines.

Good Luck.
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Old 10-22-2015, 12:59 PM   #11
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We use Allied Insurance through:

Kayla Hauer
Destination Services
2434 W Central Ave
Missoula MT 59801
p.877-553-3400
f. 888-779-4180
Motorhome Financing Loans | RV Insurance | Montana LLC RV | Destination Services
Home & Auto Insurance - Missoula MT/Bitterroot Valley MT - Destination Insurance Services

Allied was significantly less expensive than any other carrier I quoted. Luckily, I have no claim experience.
I suggest you evaluate an "agreed value" rider for total loss. The difference between replacing the coach under a regular policy and an agreed value policy can be very significant. Allied also has reasonable upcharges for full timers.

Cheers,
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Old 10-22-2015, 03:24 PM   #12
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We have had Allied insurance since 1999, and as we have bought and sold motorhomes we have made the necessary adjustments to our policy. The same is true for when we sold our house and went fulltime. Allied has had the best rates for us and claims have been paid promptly with no hassle. They have our recommendation.
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Old 10-22-2015, 04:21 PM   #13
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Best what? Best service? Best price? Best coverage? Best what?

All of the above vary so much from state to state....from company to company. Some states use your driving record, or age, or income, or number of vehicles, or area of residence.....goes on and on. Egads, some even use your credit rating as a guide line.

Just because one person really likes...say Progressive, the next person will tell you how bad they are. There just isn't any way ANYONE can say which is the BEST insurance as that animal just doesn't exist.

Your best bet is to either use a broker that you trust, or you yourself go out and get a whole bunch of estimates and compare what you want for your criteria.

I'm sorry, but there just isn't a good answer for your question.

Ron
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Old 10-22-2015, 04:52 PM   #14
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Insurance

I use the Tobin Agency which specializes in RV and Boat Insurance. They've done a great job shopping for the best deal. Sometimes it depends on your "home of Licensing" as to what insurance is available to you. Not everyone can write here in New Jersey and some of the ones cheapest in NJ are more expensive across the river in PA and vice versa. I would suggest letting an agent do the searching for you and who would know what is available to you in your state.
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