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Old 07-29-2010, 11:42 PM   #1
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Insurance

Got three Insurance Quotes on new 2011 Dutchstar 43' Motorhome reg. in TN. all at same level of insurance values. Geico at $400.60 every six months note they don't write a yearly policy also Geico does not offer Total Replacement Cost; Gilbert at $1619.00 year and Blue Sky at $1389.00 year. Have pretty much ruled out Geico as they don't offer total replacement cost, any input on the other two companies
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Old 07-29-2010, 11:47 PM   #2
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Have you checked into Progressive? When I was searching about three years ago progressive, in my himble opnion, had the best coverage.
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Old 07-30-2010, 07:32 AM   #3
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Progressive for the same coverage was really highlike 2 times higher. I guess what I'm asking has anyone had any dealings with Blue Sky or Gilbert good or bad. Again thanks for your input have a great day : ). Seabee13
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Old 07-30-2010, 09:21 AM   #4
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Quote:
Originally Posted by seabee13 View Post
Gilbert at $1619.00 year and Blue Sky at $1389.00 year.
Gilbert is an insurance broker that works with many different insurance companies...which insurance company did they use for the quote?

I've never heard of Blue Sky, but from their website, it appears to be the RV insurance product of Recreation Insurance Specialists, LLC that, in turn, "is the program administrator for Companion Property and Casualty Insurance Company, a subsidiary of Blue Cross/Blue Shield of South Carolina." According to their website, Companion has an "A" Excellent rating from AM Best, for what that's worth.
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Old 08-02-2010, 10:39 PM   #5
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Gilbert Quote was rated by Victoria an A+ Company. Has anyone had dealings with with Blue Sky????Seabee13
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Old 08-31-2010, 07:12 AM   #6
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If you are in Tn. try Farm Bureau.
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Old 08-31-2010, 08:26 AM   #7
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I got quotes recently from both Progressive & Geico. Progressive was 1.6x what I now pay and Geico was 2x. I'm staying with National Interstate for our coach and AARP Hartford for the car. Oddly, could not get a combined "best" rate for both coach and car from either company, so kept them separate.

You have to shop several sources and find one whose rate structure in your state best matches your needs. No one company has the best rates - or the best coverage - for everybody.
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Old 09-14-2010, 07:11 AM   #8
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I have Blue Sky-thankfully haven't had to use them yet. I'm fully insured with replacement and contents for about $600 per year.
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Old 09-14-2010, 12:16 PM   #9
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To your original question..I have Gilbert and have been pleased with the price and depth of the policy. Have not had to use them yet, thankfully, but they have an excellent reputation.
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Old 09-15-2010, 06:59 AM   #10
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insurance

I have everything with AARP have had half a dozen claims over the years and never a problem. I looked all over and no company was even close. Check em out
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Old 09-15-2010, 07:19 PM   #11
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AARP car insurance is the The Hartford. AARP is not an insurer. We have our car with them and used to have the coach several years ago, but got a better deal on the coach thru National Interstate.

Be sure to read the fine print in the Full Replacement Cost coverage - it often does not mean quite what you may think. Typically, it pays the difference between ACV (Actual Cash Value) and your rplacement cost when and if you actually buy a replacement coach. It typically won't, for example, get you a check for what you paid for it originally, nor will it get you more than ACV if you decide not to buy another coach. Even if you owe more than the ACV. Ask to see a copy of the policy and make sure you understand just what the Full Replacement Coverage does in the event of a total loss.
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Old 09-18-2010, 09:12 PM   #12
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Gilbert is my broker for Progressive. I have very high liability and very low deductible and pay about what they quoted you.
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Old 09-24-2010, 01:45 PM   #13
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Gilbert

I have had Gilbert for both class A MH that I have owned. I went with them based on price and the recommendation of my local RV shop. I have had to use them for a cracked windshield. Gilbert's service was excellent. As we left the campground I noticed that there was a crack in the passenger side widshield. Gilbert said they would call me back. Before I could drive 80 miles they had called me back and had the repair set up for when I arrived at the storage area. I couldn't ask for better service.
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Old 09-24-2010, 03:56 PM   #14
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Can any of the AARP-Hartford backers explain why the declaration and insurance cards (that years ago SAID The Hartford Underwriters) now say "Trumbell Ins" I can not get a truthful answer from them. They lied that always that way....yet I still have the older original The Hartford ins cards and policies too.
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