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Old 07-27-2005, 05:49 PM   #1
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Hi Everyone:

I did a search to see what kinda buzz there was about insurance here, but it appears it's been a while since any meaningful discussion has been made. We're currently insured with AAA on our SLC3905, but have noticed it is under "Actual Cash Value", and Moski has started a search with other companies to see what the rates are. Specifically, we're looking at a $500 deductible and Total Loss Replacement Value. AAA is now at $336/yr, and National Interstate wants $498/yr. Of course, this is like asking what you paid for your 'puter with 10 billion options out there, but I thought we could get close. My druthers is to ask AAA if they can insure for TLR, but we'll have to do that tomorrow.

And of course, we're really hung up on a reputable company. Any thoughts or suggestions? I've alrady submitted a quote from RVIA...

Thanks!

Sean
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Old 07-27-2005, 05:49 PM   #2
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Hi Everyone:

I did a search to see what kinda buzz there was about insurance here, but it appears it's been a while since any meaningful discussion has been made. We're currently insured with AAA on our SLC3905, but have noticed it is under "Actual Cash Value", and Moski has started a search with other companies to see what the rates are. Specifically, we're looking at a $500 deductible and Total Loss Replacement Value. AAA is now at $336/yr, and National Interstate wants $498/yr. Of course, this is like asking what you paid for your 'puter with 10 billion options out there, but I thought we could get close. My druthers is to ask AAA if they can insure for TLR, but we'll have to do that tomorrow.

And of course, we're really hung up on a reputable company. Any thoughts or suggestions? I've alrady submitted a quote from RVIA...

Thanks!

Sean
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Old 07-27-2005, 06:08 PM   #3
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Sean,

We have State Farm on our rig.

The State Farm policy only will pay the "actual cash value" of
the loss...... so if you total your rig, they'll only pay for
the value of a "used" rig. Not the replacement cost.

Also, State Farm will pay up to $100 per occurrence for the following:

1. mechanical labor up to one hour at the place of its breakdown;

2. towing to the nearest place where the necessary repairs can be made during regular business hours;

3. towing it out if it is stuck on or immediately next to a public highway; or

4. change of tire, BUT NOT THE COST OR REPAIR OF THE TIRE.

So, with a $250 deductible, my annual premium for the '06 LE3305
is $282 for physical damage coverage.

The deductible amount will greatly affect the cost of the annual premium.

We also have the AAA premium membership and they will pay up to
$200 for a tow. So if we break down, between State Farm and AAA,
we'll have $300 for towing

Marianne really did her homework on this topic and she'll be a good
resource when she gets back to Santa Cruz.

She had mentioned that Progressive has a full
replacement cost policy for physical damage coverage. They will pay the full cost to replace
you rig with a new one for 5 full years from the date of purchase. Wow! I don't know what the premium cost would be.
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Old 07-27-2005, 06:12 PM   #4
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Great Howie- thanks!

We really would like to have the Full/Total coverage. I think I saw where Marianne was doing that elsewhere, so I'm sure she'll have some good thoughts on it...(BTW..just got off the phone with them...they're in Santa Barbara and just lovin' life right now!).

We also have the AAA Premium...I really am a big AAA fan, and know they are good...we'll see what they say tomorrow.

Thanks again!

Sean
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Old 07-27-2005, 06:26 PM   #5
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I have been with Allstate forever and still am, EXCEPT for the Alfa. They wanted WAY WAY too much for coverage on it. I can't remember the name of the company I'm with now for it, I was referred by the Allstate guy, and it is fairly cheap for pretty good coverage. I will look it up when I get home and let you know Sean.

Clark
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Old 07-29-2005, 07:57 AM   #6
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Allstate here also, not sure of total replacment or cash value but will be looking into it now!
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Old 07-29-2005, 11:32 AM   #7
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Having been in the insurance business for almost 25 years..... now retired,
I find there is a universal rule:

*****No one knows what kind of coverage, limits of $ coverage or exclusions
to coverage they have until they've suffered a loss. *****

The $ coverage is called the limit of liability which is the maximum
amount the insurance company will pay you for a collision or comprehensive loss.

Collision and comprehensive loss is often combined in an RV policy to be
termed "physical damage"

Also, it really pays to shop around for coverage
and also consider raising your deductible to lower
the premium charged.
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