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Old 08-25-2014, 10:22 AM   #1
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RV insurance

Just purchased a new motorhome and am looking for insurance. Can anyone offer suggestions? State Farm, All State, Good Sam's, etc.?
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Old 08-25-2014, 10:54 AM   #2
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insurance for a brand new rig

I am in discussion with Wholesale Warranty for coverage on my new Thor Axis mini class A. They have good reviews online and the price is the best so far.
My question is: I have a hard time paying for coverage in the first year as that just duplicates the 1 year manufacturers warranty. Has anyone experience with waiting a year before covering their new rig?
Does the price jump enough to eliminate the duplicate cost of covering the first year of a new rig?
Thx, bob
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Old 08-25-2014, 11:03 AM   #3
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Hi and welcome to the forum.

Considering my personal experience and all that I've read here on the forum, I think most insurance companies will look attractive with their initial rate quotes but then routinely raise the rates considerable each year.

Many folks who've lived through this tend to switch companies every few years to negate these rate increases.

I've had Progressive full timers insurance for 7 years and have been happy with their service and claim processing... but they have raised my rates considerably.

Quote:
Originally Posted by belfast1949 View Post
I am in discussion with Wholesale Warranty for coverage on my new Thor Axis mini class A. They have good reviews online and the price is the best so far.
My question is: I have a hard time paying for coverage in the first year as that just duplicates the 1 year manufacturers warranty. Has anyone experience with waiting a year before covering their new rig?
Does the price jump enough to eliminate the duplicate cost of covering the first year of a new rig?
Thx, bob
We might be talking about two different kinds of insurance here. I think the OP is asking about liability and comprehensive. Isn't Wholesale Warranty in the business of selling extended service contract insurance?

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Old 08-25-2014, 12:58 PM   #4
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We have used National Interstate for the last dozen years and have been satisfied with coverage, price and service. Even kept them after a major accident claim.
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Old 08-25-2014, 11:52 PM   #5
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My apologies for the confusion. I have motorhome insurance through Progressive and am looking at an extended service plan through Wholesale Warranty. I think that after reading everything on the forum I have decided to not take out a policy in the first year. Then I will see how the rig performs in the next 12 months and if it looks like I may have a lemon or problematic MH I will revisit the whole idea.
Thx, bob
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Old 08-26-2014, 11:25 AM   #6
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In that case, State Farm & Allstate are out - they don't do that kind of insurance.
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Old 08-27-2014, 07:46 AM   #7
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Mine is with USAA, but even they tried to refer me to Progressive.
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Old 08-27-2014, 01:34 PM   #8
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USAA no longer writes policies on any new purchase. They act as an agent and will place you with Progressive should you buy a new MoHo.

Nick
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Old 08-27-2014, 03:02 PM   #9
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Quote:
Originally Posted by Woodview View Post
Just purchased a new motorhome and am looking for insurance. Can anyone offer suggestions? State Farm, All State, Good Sam's, etc.?
I would recommend finding someone who knows and understands motorhomes. Some coverages duplicate from your Homeowners potentially (personal property), but some do not and there are times you may need to schedule specific items depending on the insurance company (tow bars, transmission lube pumps, auxiliary braking components).

There are many independent agents that specialize in Motorhome insurance and they may not have the lowest premium, but should provide you with the professional advice so a potential large uninsured loss doesn't affect you.

I use Gilbert Insurance Agency out of Orlando, FL. Good luck!
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Old 08-29-2014, 07:31 AM   #10
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21st Century, a division of Farmers. They simply added the MH to our auto policy; no hassles at all.
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Old 08-29-2014, 11:23 AM   #11
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Originally Posted by belfast1949 View Post
My apologies for the confusion. I have motorhome insurance through Progressive and am looking at an extended service plan through Wholesale Warranty.
Before you do shop for one of those repair plans, let me suggest that you take the time to read this article about such plans from Escapee's Magazine.
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Old 08-29-2014, 11:53 AM   #12
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I have beeen with National Interstate for years and they are a great company to work with. Their rates are low and don't soar every year. Good claims service. Plus they add CoachNet to their policies.
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Old 09-05-2014, 12:35 AM   #13
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We just signed up with WW. They were the best baby for the buck after negating in the price. In a but shell I said to them I'm paying in full give me the best price buy you can. I got it down to 800 a yr. for 4 yes 48k miles. I went through the policy line by line picking it apart to make sure it was giving us what we wanted, needed and was the same as the others I was looking at as well as understanding all the mumbo jumbo of the policy.

Don't just GI with the price they give you they will come down. They want your business. Also check into the company they are selling you. I did find if research and pealed away all layers if these companies to find the parent company behind the subcompanies.
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Old 09-05-2014, 12:59 AM   #14
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Okay just to say I hate auto correct. My post was correct until I pushed the post button. WW was the best bang for our buck. Not baby. In a nut shell not but shell... (shakes head) 4 years not yes... Don't just GO with the price they quote... not GI... grumbles. I did find with research... pealing away all layers if the companies and sub companies...
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