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08-15-2014, 11:45 AM
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#1
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Senior Member
Join Date: Jul 2012
Location: Sioux Falls
Posts: 212
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Insurance gripe?
Calling around for insurance for our soon to be new motor home and was totally confused when I was charged extra for not having a propane sensor. I told her is was a electric coach and has no propane on board she said that I would still lose the credit. Some day I think I am a genius living among idiots or am I the idiot living among geniuses?
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Gary and Karen plus our furry kids Sable, Jetta, & Winston. 2014 Newmar DutchStar 4369 & 2013 Chevy Equinox.
Home is where we park it 
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08-15-2014, 11:50 AM
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#2
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Community Administrator
Join Date: Aug 2009
Posts: 53,540
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I guess that Ins Co and others will have to get with the program. This is not the RV that their parents drove .
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Cliff,Tallulah and Buddy ( 1999-2012 )
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08-15-2014, 11:50 AM
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#3
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Senior Member
Join Date: May 2014
Posts: 3,059
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I know it sounds stupid, but what kind of credit do you get if you have one. They are cheap to buy and it couldn't hurt to have one. If the credit is alot I would just put one in to satisfy the bean counters. Some campgrounds are pretty tight and your neighbor could be leaking propane your way....Mike
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Mike & Charlotte
2014 Newmar Canyon Star 3610
Orange County, California
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08-15-2014, 12:13 PM
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#4
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Senior Member
Join Date: Mar 2014
Location: Oak Creek, WI
Posts: 1,143
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Also... Just thinking out loud...
Doesn't those detectors also detect carbon-monoxide? Wouldn't you want/need one for when you boon-dock and run the generator?
Maybe kill two birds with one stone ???
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Eric & Denise
2012 Itasca Sunstar 35F W/ 5-Star Tuner
2017 Harley-Davidson Ultra Limited
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08-15-2014, 12:21 PM
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#5
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Senior Member
Solo Rvers Club
Join Date: Jul 2014
Location: Ham Lake, MN
Posts: 3,038
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Gary, Just a question....your current coach has LP, but your new coach won't have it?
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Have a wonderful day!
Ken (RVM 87)
FT DP Wanna B The journey is the destination!
Retired & perfecting procrastination! 
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08-15-2014, 12:34 PM
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#6
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Moderator Emeritus
Join Date: Oct 2011
Location: In a lawnchair
Posts: 11,993
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Quote:
Originally Posted by Mike and Cha
I know it sounds stupid, but what kind of credit do you get if you have one. They are cheap to buy and it couldn't hurt to have one. If the credit is alot I would just put one in to satisfy the bean counters. Some campgrounds are pretty tight and your neighbor could be leaking propane your way....Mike
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^^ This. I think you can pick one up from Walmart for a very reasonable price if your insurance savings warrant it.
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08-15-2014, 02:07 PM
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#7
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Senior Member
Join Date: May 2013
Location: Atlanta
Posts: 540
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A CO/LP detector can be around $80-$100 depending on where you get it. Check Amazon or Walmart.com for probably the best prices. RV stores will be closer to the $100 mark.
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2014 Palomino Puma 25RS 28 days in 2014, 47 days in 2015, 71 days in 2016, 2017-33, 2018- 29 booked.
2011 F-150 Supercrew 5.0 6spd, Me, Xyl and the 2 Fur kids, BooBoo and Gracie (felines)
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08-15-2014, 03:17 PM
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#8
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Senior Member
Join Date: Jul 2012
Location: Sioux Falls
Posts: 212
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Quote:
Originally Posted by DieselTech39
Gary, Just a question....your current coach has LP, but your new coach won't have it?
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Yes that is correct
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Gary and Karen plus our furry kids Sable, Jetta, & Winston. 2014 Newmar DutchStar 4369 & 2013 Chevy Equinox.
Home is where we park it
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08-15-2014, 03:21 PM
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#9
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Senior Member
Join Date: Jul 2012
Location: Sioux Falls
Posts: 212
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I don't want to buy a sensor. My thinking is a electric coach is safer as far as gas explosions so there should be a discount for not having any propane?
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Gary and Karen plus our furry kids Sable, Jetta, & Winston. 2014 Newmar DutchStar 4369 & 2013 Chevy Equinox.
Home is where we park it
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08-15-2014, 03:45 PM
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#10
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Senior Member
Workhorse Chassis Owner
Join Date: Jun 2003
Location: Palisade CO
Posts: 3,588
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Quote:
Originally Posted by oakcreekeric
Also... Just thinking out loud...
Doesn't those detectors also detect carbon-monoxide? Wouldn't you want/need one for when you boon-dock and run the generator?
Maybe kill two birds with one stone ???
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Some may but the one in my Winnebago does not. I have two separate sensors. The CO sensor is in the bedroom on the ceiling and the LP sensor is in the hall down close to the floor.
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Clay WA5NMR - Ex Snowbird - 1 year, Ex Full timer for 11 years - 2004 Winnebago Sightseer 35N Workhorse chassis. Honda Accord toad.
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08-17-2014, 09:45 AM
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#11
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Moderator Emeritus
Join Date: Jan 2000
Location: West Palm Beach, FL. USA
Posts: 27,676
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Quote:
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My thinking is a electric coach is safer as far as gas explosions so there should be a discount for not having any propane?
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That would be my thinking too, but the insurer probably doesn't have that option in their rating tables. The selling agent cannot apply a discount that doesn't exist, no matter how logical it is. You can ask to speak to a supervisor at the agency and try to get them to request a special "no propane" rate from the actual insurer (underwriter), but don't hold your breath waiting for it. The actuarial wheels turn very slowly...
A basic LP detector is $50-$60, so it is questionable if the discount is worth the purchase.
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Gary Brinck
Former owner of 2004 American Tradition and several other RVs
Home is West Palm Beach, FL
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08-17-2014, 09:56 AM
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#12
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Senior Member
Join Date: Mar 2011
Location: Kent, WA
Posts: 1,092
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Find out the difference in premiums and if it makes sense go buy one. If you save a $100 bucks of so for a year or 2 then it is worth the investment. Don't get caught up in wording.
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Arnold 
2006 Holiday Rambler Endeavor 40 PAQ
2017 Ram 2500 Big Horn 6.4 Hemi
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08-17-2014, 10:00 AM
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#13
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Senior Member
Join Date: Mar 2014
Location: Maple Ridge,B.C.
Posts: 488
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HA ha....your trying to make sense of an Insurance company!
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2020 Thor Palazzo 36.3
Me and the DW, Django and the new kitten Ebony.
2003 Holiday Rambler Endeavor - sold
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08-17-2014, 11:20 AM
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#14
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Senior Member
Join Date: Sep 2012
Posts: 1,177
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Quote:
Originally Posted by fountain42
I don't want to buy a sensor. My thinking is a electric coach is safer as far as gas explosions so there should be a discount for not having any propane?
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any one can still take a small LP tanks on to the RV
small ones like you see in walmart on there camping side
i have one for my small wiring kit
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