5th Wheel Insurance Recommendation

[BeachBum]

I just bought my first RV a 2002 Excel 35RKE that looks like brand new. I'm so excited I could just pop!
I have State Farm for my home, cars etc. State Farm wants $500.00 for replacement coverage which would be approximately 26K
Can anyone recommend another company with lower annual premium?
Thanks so much,
BeachBum

[wingnut60]

You probably won't find it too much lower, depends a lot on the state you are in. Mine is $566 but the value is $49000 here in TX. I got it from RVAmerica, an agent for AIG, but they sold to 21st Century who was bought by Farmers. So now I am back with the ins co I quit 2 years ago because they wouldn't insure a fifth wheel over 30ft. ????? I think Farm and Home in Iowa is a pretty good place to try, so I hear. Progressive and Geico will also give you a quote.
Joe

[MikenAmber]

Beach Bum, Welcome glad to have you join us, we are also with State Farm and our rates are a bit lower. I think you'll find out it's because you are in the Galveston Area that the rate is higher. I understand rates are based on zip codes and the chances for catastrophic losses. We would also like to invite you to join us in one of our rallies and or campouts. You will find our Group, Texas Boomers in the Regional Areas,South Central Area below, a little about us can be found at the link in our signature. Again Welcome to irv2 Glad to have you.

[poohbear2u]

I have aaa truck insurance but I live in my trailer so they reccomended Foremost. You might try and get a quoto

[RVhauler]

It is Farm and city Insurance Company in Iowa and they represent serveral major insurance companies. Have been with them for serveral years without a problem. Just go on line to contact them.

[edj]

Quote:

Originally Posted by wingnut60 You probably won't find it too much lower, depends a lot on the state you are in. Joe

I agree that the prime factor in the premium is the address you claim as a home. The insurance companies pin the risks of hurricane/tornado/earthquakes/floods/traffic/etc on that. I have State Farm coverage on my '99 Sunnybrook 5th-wheel. My HitchHiker remains parked in a CG in FL, so I only need Comprehensive coverage on that in case a hurricane blows through in the Summer. The Comprehensive only coverage is less that the 'standard' trailer policies since it does not include Collision coverage. I got the best deal on the HitchHiker trailer policy at GMAC from Camping World. Some of the others I priced would not let me get comprehensive only policy.