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Old 07-18-2009, 03:52 PM   #29
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The biggest issue for us was "Replacement" coverage. If our coach gets toasted (and we survive), we get a comparable replacement (or funds to that effect).

Many have rightly pointed out an RV ain't a car. We want our "home" covered the same as a traditional home and replaced if it is lost. Progressive and GMAC both provide coverage for this.

We have to admit we didn't do too much research into the various insurance providers, but Progressive and GMAC were the top 2 of what we did see. GMAC won because of their extras for fulltimers (we hope to be there soon).

Just renewed with GMAC. No increases.

Steve
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Old 07-21-2009, 11:45 AM   #30
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I have National Interstate Insurance through Explorer and have not been able to beat their price, so far the rate is half of Progressive, GMAC and Geico. I have full replacement value. GMAC tried to tell me that I would be saving money with their insurance suspending during the off season, but we use our motorhome all year long. Also National Interstate is a five star recommended company by FMCA, this is how I found out about National. I have been with them for over 3 years without any rate increases or thank goodness no claims.
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Old 07-21-2009, 01:08 PM   #31
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Guess the bottom line is each person has to determine what is best for his situation. We are fortunate there are many insurers out there who have specific RV coverage. I just know you are not going to be covered adequately under most automobile insurers policies so go to the experts.
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Old 07-22-2009, 03:44 PM   #32
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Hey buck62,

Thanks for the info. Never heard of National Interstate before, but I'm checking with my "local" agent to get a quote.

You said you have National Interstate Insurance through "Explorer".

Two questions:

Have you ever filed a claim and, if so, how did it go?

What is "Explorer"?

Steve
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Old 07-22-2009, 06:37 PM   #33
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Explorer RV (www.explorerrv.com) is in insurance "broker" that finds your the best coverage at the best price based on your unique case.

We too have National Interstate through Explorer RV. We have had several windshield chips repaired at no expense to us, and we had a lightning strike claim that cost us apx $2,700 in repairs of which they paid right at $1,900. Our annual rates have remained very stable and reasonable.
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Old 07-24-2009, 10:14 AM   #34
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Old 07-24-2009, 10:51 AM   #35
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Here is a list of all the brokers for National Interstate Insurance
NIIC :: RV Coverages/Agents
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Old 07-24-2009, 03:05 PM   #36
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I have progressive and have been happy with them. I had a one piece windshield, $$$, replaced this year and they were very quick to take care of it. I just got my renewal notice and the premium went up $84. I figured it would increase because of the claim. The renewal premium is still lower by $$$$ than what was quoted by a progressive agent. It does pay to buy on line.

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Old 07-24-2009, 03:29 PM   #37
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It appears we are in the minority. Bugsw53 has State Farm.
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Old 07-28-2009, 01:06 AM   #38
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Originally Posted by RV Wizard View Post
We too have GMAC thru Good Sam's and are happy with it although we could probably reduce the premium some by removing the full timing status since we are now back in a stick & brick house.

does good sam off replacement value for the rv?
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Old 07-28-2009, 01:10 AM   #39
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Originally Posted by buck62 View Post
I have National Interstate Insurance through Explorer and have not been able to beat their price, so far the rate is half of Progressive, GMAC and Geico. I have full replacement value. GMAC tried to tell me that I would be saving money with their insurance suspending during the off season, but we use our motorhome all year long. Also National Interstate is a five star recommended company by FMCA, this is how I found out about National. I have been with them for over 3 years without any rate increases or thank goodness no claims.
do you know if national offers replacement value for 2004s????
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Old 07-28-2009, 03:03 AM   #40
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does good sam off replacement value for the rv?
i have good sam full replacement value insurance. i have had the policy about 2 years and have not had a claim yet. the premium has not increased.
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Old 07-28-2009, 03:18 AM   #41
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Quote:
Originally Posted by jhughd View Post
I have progressive and have been happy with them. I had a one piece windshield, $$$, replaced this year and they were very quick to take care of it. I just got my renewal notice and the premium went up $84. I figured it would increase because of the claim. The renewal premium is still lower by $$$$ than what was quoted by a progressive agent. It does pay to buy on line.

JD
I also have Progressive Ins. since I bought this m/h (2005), and never had a claim. Our renewal came in at $200.00 over last years premium , maybe that's the price you pay to live here in the sinking state of Ca. I will be doing some research on other companies. BTY I have State Farm Ins. on my home,4 vehicles, 2 commerical trucks, and they came in with a quote $100.00 over Progressive on the r/v.
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Old 07-28-2009, 07:40 AM   #42
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We have Assurant and we got them through Gilbert Insurance Agency. You could check with them for a quote. It depends on the state you live/based in, the coverage you choose and your RV.
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