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10-10-2017, 02:13 PM
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#1
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Member
Join Date: Jul 2015
Location: Florida
Posts: 55
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Cornerstone Insurance
It has been some time, I am checking to see what people are pay for insurance for a 2016 Cornerstone and what company, for a value of $425.000 for usage of 60 days a year.
Liability Bodily 100/300
Property damage 300
Personal Protection death 5,000 each
Emergency medical 10,000 each
Loss of service 10,000 max
Towing 1,000
uninsured Motorists Bodily 100/300 Stacked
Contents 10,000
Motorhome Medical Payments 5,000 each
New Motor Home Expanded Protection
Thank You Paul
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Paul & Cheryl
2016 Cornerstone K
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10-10-2017, 02:21 PM
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#2
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Senior Member
Entegra Owners Club
Join Date: Oct 2016
Location: Alabama
Posts: 237
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Should be about 1-1.25 % of value. That value with National General should be around 3500$ and with State Farm around 4500$. Don't quote me but I should be very close. I DO prefer State Farm over Nat General though. Much better company and service !!!!
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Jinger and Andy (And the Bassets Max and Zoey)
2017 Anthem DEQ Victory Blue & Lincoln Navigator on tow
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10-10-2017, 02:39 PM
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#3
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Senior Member
Join Date: May 2010
Posts: 1,130
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Quote:
Originally Posted by paulp2354
It has been some time, I am checking to see what people are pay for insurance
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You'll need to get comparison figures from others in your state/county/zip code. Insurance costs are HIGHLY risk-pool dependent. Much more so than coverage-dependent.
You definitely can't compare across state lines since insurance is regulated at the individual state level. What someone in Colorado pays is going to be very different than what someone in Texas pays. Even within the same state, what someone in Dallas pays is going to be very different than what someone in Austin pays.
Contact an independent RV insurance agent like Ron Jarvie at Overland or someone at Miller RV Insurance to get quotes from different companies based on your specific situation.
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2017 LTV Unity U24CB
2003 Foretravel U320
1999 Lazy Daze 30IB
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10-10-2017, 03:05 PM
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#4
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Senior Member
Entegra Owners Club
Join Date: Apr 2007
Location: SW FL
Posts: 31,717
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Here is a list of FL insurers I put together a few years ago. It would be a starting point to obtain quotes. http://www.irv2.com/forums/f278/curr...em-189038.html
Where stored, hurricane zone, credit score, etc. all have to do with the rate that will be quoted.
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Chuck in SW FL
Digital 2021 Cornerstone "B"
A "Digital" 2019 Cornerstone "B" Traded
A "Classic" 2014 Anthem 42 RBQ---Sold
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10-10-2017, 03:59 PM
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#5
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Senior Member
Spartan Chassis
Join Date: Jun 2015
Location: Memphis, TN
Posts: 1,562
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This is my coverage through National Interstate. My 2017 Anthem premium is $2820. This is with total loss replacement for the first 5 years. Of course a lot depends on your driving record and the area you live in.
Addition - Awning Replacement
Addition - Bodily Injury
Limit: $1,000,000 CSL Addition - Collision
Deductible: $1,000 Addition - Comprehensive
Deductible: $1,000
Addition - Diminishing Ded. - Coll Addition - Diminishing Ded. - Comp Addition - Emergency Vacation Expense
Limit: $750
Addition - Glass
Addition - Medical Payments
Limit: $5,000
Addition - Personal Effects Addition - Total Loss Replacement Addition - UM/UIM
Limit: $1,000,000 CSL Addition - UMPD
Limit: $1,000,000 Addition - Vacation Liability
Limit: $100,000
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Bill & Lynne
Memphis, TN
2017 Entegra Anthem 44B - Victory Blue
2016 Ford Edge Titanium
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10-11-2017, 07:11 AM
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#6
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Moderator Emeritus
Join Date: Oct 2002
Location: Sheboygan, WI
Posts: 5,642
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$2,039 for 2016 Cornerstone. Full replacement coverage, slightly higher liability, diminishing deductible, glass coverage. Town of 50,000 people in Wisconsin. Clean driving record, age 65. Progressive Insurance through Good Sam.
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Mark & Leann Quasius
2016 Cornerstone 45A
2020 Jeep Gladiator Rubicon
2021 Jeep Wrangler Rubicon
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10-11-2017, 07:15 AM
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#7
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Senior Member
Join Date: Oct 2012
Location: Louisiana
Posts: 11,531
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You better examine what you are actually insuring for because that rate is nearly impossible. I wonder if your insurance company really understands what you have or you are getting a special “low use” rate. I have never gotten less than $1,400 quote and quotes run up to $4,000. Per year. I have insured with 3or 4 different companies.
I think I am right at $1800 after considerable shopping.
Gary
__________________
Gary and Dee, Zowie and Bowie (traveling cat sibs)
2019 Cornerstone 45B, X15-605hp, Imperial, Spartan K3,
2013 Honda CR-V toad, Demco Excali-Bar II,
Demco Baseplate, Demco Toad Light system, 73 de W5FI
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10-11-2017, 08:09 AM
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#8
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Senior Member
Entegra Owners Club
Join Date: Apr 2007
Location: SW FL
Posts: 31,717
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Gary, you and I live in Hurricane zones. I pay double of what I paid in CO, no damage from blizzards.
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Chuck in SW FL
Digital 2021 Cornerstone "B"
A "Digital" 2019 Cornerstone "B" Traded
A "Classic" 2014 Anthem 42 RBQ---Sold
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10-11-2017, 08:19 AM
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#9
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Senior Member
Entegra Owners Club
Join Date: Sep 2012
Posts: 6,694
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Varies state to state and also based upon credit rating.
FWIW, South Dakota is increasingly yearly because of the increasing number of people using SD as a "residence"/mail forwarding and thus a higher incidence (note: not per motor coach population rate, just population). And according to Progressive agent last year, California and Florida rates were lower, based upon lower incidence per motor coach population. Who knows where truth lies because there are multiple components to these quotes.
Rate quotes, for similar coverage for me last year ran from $2600-4000 for my South Dakota residence and clean driving record.
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Dave and Beth
2015 Cornerstone 45J
2020 Ford F-150 Lariat
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10-11-2017, 11:35 AM
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#10
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Senior Member
Join Date: Jun 2011
Location: College Station, Texas
Posts: 2,841
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Initially paid around 2800-3000 per year.
This year's is 4300, which I attribute to a fender-bender
Clean record, dinky town
High liability, High Deductible
Full replacement.
Progressive through USAA
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Bob in College Station, TX
2015 Entegra Cornerstone 45K
2012 Jeep Rubicon, 1994 FXLR
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10-14-2017, 02:04 PM
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#11
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Senior Member
Join Date: Oct 2012
Location: Louisiana
Posts: 11,531
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Chuck
The OP’s signature shows he’s in Florida, so unless he is in some utopian cave city in Florida, I don’t think he is in an “insurance hole”.....
Maybe he is paying by the day?
Gary
__________________
Gary and Dee, Zowie and Bowie (traveling cat sibs)
2019 Cornerstone 45B, X15-605hp, Imperial, Spartan K3,
2013 Honda CR-V toad, Demco Excali-Bar II,
Demco Baseplate, Demco Toad Light system, 73 de W5FI
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10-14-2017, 03:10 PM
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#12
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Senior Member
Entegra Owners Club
Join Date: Apr 2007
Location: SW FL
Posts: 31,717
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Quote:
Originally Posted by Gary.Jones
Chuck
The OP’s signature shows he’s in Florida, so unless he is in some utopian cave city in Florida, I don’t think he is in an “insurance hole”.....
Maybe he is paying by the day?
Gary
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I thought you were referring to Mark's post of $2,039 a year for a Cornerstone, as your post was right under his. Sorry about any confusion. I pay more than Mark for an Anthem in FL.
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Chuck in SW FL
Digital 2021 Cornerstone "B"
A "Digital" 2019 Cornerstone "B" Traded
A "Classic" 2014 Anthem 42 RBQ---Sold
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10-14-2017, 04:17 PM
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#13
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Senior Member
Join Date: Jul 2012
Location: Port Charlotte , Fl
Posts: 1,497
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I just went through the yearly insurance drill. S. Dakota residency but " could " switch to Fl. due to owning an RV Lot. If we changed residency to Fl. our % increases would have been , 10-20 % on coach, 10-20% on car and 100% on Harley. Currently all 3 are about $3700 to include an Umbrella Policy.
However as previously stated there are many factors that dictate your rate.
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Sue & Brian Ashworth & Rizzy( adopted Boxer)
No RV anymore !
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10-15-2017, 06:50 AM
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#14
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Senior Member
Spartan Chassis
Join Date: Jun 2015
Location: Memphis, TN
Posts: 1,562
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Quote:
Originally Posted by Gary.Jones
Chuck
The OP’s signature shows he’s in Florida, so unless he is in some utopian cave city in Florida, I don’t think he is in an “insurance hole”.....
Maybe he is paying by the day?
Gary
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The OP is saying a coach value of $425,000, not a $425 premium.
__________________
Bill & Lynne
Memphis, TN
2017 Entegra Anthem 44B - Victory Blue
2016 Ford Edge Titanium
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