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Old 10-17-2015, 04:05 PM   #1
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Question Just a thought on Insurance

How old do you think a motor home should be before you drop the full coverage and just carry just liability?

Stanley & Barbara
2002 38" Monaco Knight Dp
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Old 10-17-2015, 04:15 PM   #2
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It's never too old unless you just have money lying around to buy a new one in case something happens . Of course, that's just my opinion and full coverage+ insurance on my RV is less than $450.00 a year...so I just keep it fully covered...including contents.

Roger & Cris
2 Kids/2 dogs and too long until retirement!
1999 Newmar DS 3858 (Spartan with Cummins ISC300)
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Old 10-17-2015, 06:41 PM   #3
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If you are prepared to cover the cost of repair if YOU wreck it, or are prepared to write it off, then just get liability. It all depends on your risk tolerance.
Tom Wilds
Blythewood SC
2016 Newmar Bay Star Sport 3004
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Old 10-17-2015, 11:42 PM   #4
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It's when you decide you can AFFORD to junk it without being repaired.
Don & Mary
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Old 10-18-2015, 07:12 AM   #5
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Because they're so different than cars and pick ups, I don't think running without collision insurance is a good plan either. On a coach the age of ours, due to hard to find parts (or non existent) and expensive labor, it's not going to take much at all to total it. Insured, I can hopefully recover enough to be back in business with a minimum of financial stress.

Without collision, it wouldn't take much of a collision to have a totaled coach that's worth very little - unless I wanted to spend a small fortune (likely more than it's worth) to get it repaired.

That said- I do go with a high deductible to keep the policy reasonable.
1997 37' HR Endeavor, 275hp Cat, Freightliner
03 CR-V Blue Ox, Ready Brake
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Old 10-18-2015, 08:49 AM   #6
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I to would never think of doing this,i just seen on here a couple of people talking about dropping full coverage because of the age of there coach.To me it's to much of a gamble

Stanley & Barbara
2002 38" Monaco Knight Dp
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