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Old 03-01-2012, 07:53 AM   #1
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Insurance coverage

I insure my vehicles with Geico and called them about adding the mh. There doesn't seem to be any problem to insure it and the price is good. Because I am totally new to motorhomes I really don't know what I should be looking for in the policy. Towing? Glass? Contents?

What should I be looking for and what questions should I be asking? Thanks! Oh, does it make a difference to the insurer where the mh will be kept/stored? Thanks!

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Old 03-01-2012, 08:26 AM   #2
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Getting coverage is easy. What happens when you make a claim is the difference. I didn't research a lot when I insured my coach, I just bought from the company the previous owner had, who DID research a lot and had good experiences with. I used National Interstate who specializes in commercial/RV insurance, and insures mine for $400/yr.

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Old 03-01-2012, 08:27 AM   #3
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You may also want to consider liability insurance.
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Old 03-01-2012, 08:31 AM   #4
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There are quite a few companies that specialize in RV insurance. We use Allied Insurance which is a Nationwide Insurance company. Before we bought and got insurance, I called our agent that we insure our car and house with an they were almost double what we pay with Allied.
Brenda and Frank, FTers, Zebulon, NC
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Old 03-01-2012, 12:09 PM   #5
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I would for sure get a few quotes. Check with a broker such as RV Insurance, Motorcycle & Auto Insurance | Gilbert RV Insurance
that handles several different companies.
Jerry & Patsy Potter, Taz & Jake Jr.
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Old 03-01-2012, 01:08 PM   #6
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Hi kmesaaz,
Consider contacting a coach insurance broker. I use Farm and City at 800-331-1520. Coverage you want to consider:
1. An agreed to price for a total loss. This is usually the purchase price if the coach is over 5 years old. You'll need to provide the bill of sale. Above all, stay away from actual cash value.

2. Contents coverage - This is coverage for contents not installed in the coach (your stuff).

3. Do not get towing. Purchase emergency road service via Good Sam or Coach Net.

4. Glass coverage - Understand what the basic coverage (it is different by state) and are you comfortable with it? That's a very big windshield. I've already had mine replaced.

5. Liability - The coach and toad are a lot of weight and can do quite a bit of damage.

6. Uninsured motorist coverage - Take a close look and determine what you are comfortable with.
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Old 03-01-2012, 05:20 PM   #7
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Geico is no issue on claims. Just let them help you on the coverages. Based on the age, value, and contents they will put the coverage you need. They asked us all the questions and we choose the coverage we needed and wanted. Now your coach is newer then ours so that may change your mind. We had one claim last year and they handled it great. No issues or hassles. The premiums haven't gone up and I like that. I have had many different insurance companies or the last 40 years and I have no issues with Geico.
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Old 03-01-2012, 06:44 PM   #8
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Our insurance is with Allstate. The agent recommended higher liability coverage limits because people have this idea that a motorhome owner is rich (hah) and will sue your socks off if you are in an accident. I sort of get that, but I wonder if it's necessary.
.2012 Fleetwood Bounder 33C | 2012 Jeep Wrangler

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Old 03-03-2012, 08:48 AM   #9
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You need all the usual coverages for an expensive vehicle - liability for driving, collision, and comprehensive (aka "other than collision", e.g. fire and theft and glass and...). Deductibles are up to you - we choose a fairly high one to keep the premium down.

One thing to be aware of - more than a little in/on your RV is considered "personal property" for insurance purposes. Typically, anything bolted or connected to the RV (e.g. awings, tow bar, front bra, etc.) will be covered under the personal property coverage, so make sure it is adequate (the default is typically $2000 total). Also ask about your electronics - some insurers don't cover TVs, Satellite, GPS, sound systems, etc. or require extra coverages for that stuff.

If you have homeowners insurance on a house or apartment, that will provide you with liability coverage for accidents around the campsite. If not, you may want to add that to the RV policy.

I would not get the insurer's towing coverage - I use Coach-Net instead. Or Good Sam to Road service, if you prefer them. You pay more for a good roadside assistance package, but it's head and shoulders better if you have a problem.

Gary Brinck
Former owner of 2004 American Tradition
Home is in the Ocala Nat'l Forest near Ocala, FL
Summers in Black Mountain, NC
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