Go Back   iRV2 Forums > iRV2.com COMMUNITY FORUMS > iRV2.com General Discussion
Click Here to Login
Join iRV2 Today

Mission Statement: Supporting thoughtful exchange of knowledge, values and experience among RV enthusiasts.
Reply
  This discussion is proudly sponsored by:
Please support our sponsors and let them know you heard about their products on iRV2
 
Thread Tools Search this Thread Display Modes
 
Old 09-12-2014, 11:46 PM   #1
Senior Member
 
CWinLV's Avatar
 
Newmar Owners Club
Texas Boomers Club
Join Date: Jan 2014
Location: We fulltime, so "Home is where we park it!" (Originally Las Vegas)
Posts: 103
RV Insurance Recommendations?

We are about to take the plunge and purchase our first motorhome in the next few days. We are purchasing a 2006 Newmar Dutchstar 4320 43' Tag quad and will be pulling a 2014 Honda CRV. We plan to begin full timing in June of next year.

Based on the above, what insurance would you recommend? What type of questions should we ask when inquiring into insurance?

Thanks!
__________________

__________________
Christy

'06 Newmar Dutchstar 4320 400hp Cummins on a Spartan tag-axle chassis w/ 2014 CRV
CWinLV is offline   Reply With Quote
Join the #1 RV Forum Today - It's Totally Free!

iRV2.com RV Community - Are you about to start a new improvement on your RV or need some help with some maintenance? Do you need advice on what products to buy? Or maybe you can give others some advice? No matter where you fit in you'll find that iRV2 is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with other RV owners, see fewer ads, upload photographs, create an RV blog, send private messages and so much, much more!

Old 09-12-2014, 11:51 PM   #2
Senior Member
 
Workhorse Chassis Owner
Join Date: Jan 2002
Posts: 1,334
You should contact independent brokers who specialize in companies that issue RV insurance policies. Blue Sky, Miller come to mind. There are lots more. Do a search.
__________________

__________________
2003 Dolphin LX 6355 w/ W22 chassis; 8.1L gasser & Allison 1000
Scooter is offline   Reply With Quote
Old 09-13-2014, 07:16 AM   #3
Senior Member
 
Join Date: Feb 2011
Location: Snowbird - Waterford Mi and Citrus Springs Fl.
Posts: 3,609
A call to AARP/Hartford fixed us up.
__________________
1997 37' HR Endeavor, 275hp Cat, Freightliner
03 CR-V Blue Ox, Ready Brake
ahicks is offline   Reply With Quote
Old 09-13-2014, 08:38 AM   #4
Senior Member
 
GaryKD's Avatar
 
Newmar Owners Club
Join Date: Jul 2006
Location: Wellington, Florida
Posts: 12,322
Hi CWinLV,
Consider Farm & City Insurance Group at RV Advantage Insurance
They are a broker specializing in RV insurance. Don't worry, they will ask you all the necessary questions. As a full-timer you'll need the same kinds (topics) of coverage that you have for your sticks and bricks.
__________________
Gary
2005 Newmar KSDP 3910 + GMC ENVOY XUV 37K lbs Moving Down The Road
The Avatar Is Many Times Around The USA
Nobody Knows Your Coach Like Somebody Who Owns One Just Like Yours
GaryKD is offline   Reply With Quote
Old 09-13-2014, 08:45 AM   #5
Senior Member
 
IdahoSRT10's Avatar
 
Join Date: Mar 2013
Location: Boise, Idaho
Posts: 715
Quote:
Originally Posted by ahicks View Post
A call to AARP/Hartford fixed us up.
AARP/Hartford is
Their rates beat other quotes by a huge margin.
__________________
2016 Thor Tuscany 34ST XTE, Freightliner XCR, ISB 360hp/800tq. Allison 3000, Koni FSD shocks, Roadmaster 1.75" front sway bar, Safe-T-Plus, DYI air bag flow control valves.
2015 Jeep Willy's Wheeler Wrangler Unlimited Toad, Ready-Brute-Elite tow system.
IdahoSRT10 is offline   Reply With Quote
Old 09-13-2014, 05:42 PM   #6
Moderator Emeritus
 
Gary RVRoamer's Avatar


 
Join Date: Jan 2000
Location: Silver Springs, FL. USA
Posts: 18,078
Quote:
Their rates beat other quotes by a huge margin.
Not for me. I got more coverage for less money from National Interstate.

But the key point here is that there are far too many variables to compare any two people's insurance experience and rates. Each of us has to shop for personal quotes from several insurers. Even two people in the same time may get widely different quotes from the same insurer - lots of variables in their rating system.


Some questions that even an RV insurance broker probably will NOT ask you:

1. Do you need Uninsured Motorist coverage? Probably not if you have your own medical coverage, e.g. Medicare or am employer plan. UIM pays your medical expense if the other guy doesn't have insurance; if you already have medical, this is an unnecessary extra

2. Do you have other liability insurance, e.g. an umbrella policy or homeowners? If you do, you probably do NOT need so-called campground liability. But if you will be giving up homeowner coverage when you start fulltiming, you may want something to provide some general liability coverage, e.g. you spill coffee on somebody's nice white shirt. Campground liability may not be sufficient, but it would cover campground accidents (sparks from fires, etc).

3. How much Personal Property Coverage do you need? Did you know that some of the things attached or connected to your motorhome are considered personal property? The car tow bar, for example? Maybe a bra or other front cover? Some policies consider awnings to be property, even though they came with the RV. Ask a lot of questions about that, then read the fine print in the policy as well. It's too late to do it after you make a claim!

4.Be prepared to answer the question about how much vehicle liability coverage you want. So much per individual, and so much total per accident.

5.Discuss with the agent exactly how much your policy will pay to repair/replace your coach. It will be ACV - Actual Cash Value, but that may not be as much $$ as you expect. Or owe on it.
__________________
Gary Brinck
Former owner of 2004 American Tradition
Home is in the Ocala Nat'l Forest near Ocala, FL
Summers in Black Mountain, NC
Gary RVRoamer is offline   Reply With Quote
Old 09-13-2014, 05:54 PM   #7
Senior Member
 
IdahoSRT10's Avatar
 
Join Date: Mar 2013
Location: Boise, Idaho
Posts: 715
Again try AARP....I can post you my premium to put money where my mouth is. $247 a year for full coverage on the 2014 motorhome, $257 a year for my 08 Viper, $284 for 2015 Jeep wrangler Unlimited.

Depends on the state...but Hartford beat everyone my massive amounts in California, Texas, and Idaho.
Note: I do have a perfect driving record and a 800+ credit but still.
__________________
2016 Thor Tuscany 34ST XTE, Freightliner XCR, ISB 360hp/800tq. Allison 3000, Koni FSD shocks, Roadmaster 1.75" front sway bar, Safe-T-Plus, DYI air bag flow control valves.
2015 Jeep Willy's Wheeler Wrangler Unlimited Toad, Ready-Brute-Elite tow system.
IdahoSRT10 is offline   Reply With Quote
Old 09-13-2014, 06:04 PM   #8
Senior Member
 
flaggship1's Avatar


 
Fleetwood Owners Club
iRV2 No Limits Club
Join Date: Sep 2012
Location: Rainbow Riding
Posts: 18,394
Quote:
Originally Posted by IdahoSRT10 View Post
Again try AARP....I can post you my premium to put money where my mouth is. $247 a year for full coverage on the 2014 motorhome, $257 a year for my 08 Viper, $284 for 2015 Jeep wrangler Unlimited.

Depends on the state...but Hartford beat everyone my massive amounts in California, Texas, and Idaho.
Something seems askew here...
__________________
Steve & Annie (RVM2)
2008 Fleetwood Bounder 38F ~ 325 ISB Turbo ~ Freightliner XC 2014 CR-V ~ Invisibrake / Sterling All Terrain
Sioux Falls, SD (FullTime Since Nov 5th 2014)
flaggship1 is offline   Reply With Quote
Old 09-13-2014, 08:41 PM   #9
Senior Member
 
Join Date: May 2014
Location: Muscle Shoals, AL/Helen, GA
Posts: 968
Quote:
Originally Posted by Gary RVRoamer View Post
Some questions that even an RV insurance broker probably will NOT ask you:

1. Do you need Uninsured Motorist coverage? Probably not if you have your own medical coverage, e.g. Medicare or am employer plan. UIM pays your medical expense if the other guy doesn't have insurance; if you already have medical, this is an unnecessary extra
I'm sorry, but the above statement has been mixed up with Medical coverage. Uninsured Motorist Coverage pays your repairs if some uninsured low life SOB runs into your RV. (Prior to last year, 30% of all drivers on the road in our state were without insurance of any kind.) Unfortunately, many states have very low minimum liability limits, and many RV values exceed minimum liability coverage. I find Uninsured Motorists a very important coverage.
__________________
Bamaman is offline   Reply With Quote
Old 09-14-2014, 08:16 AM   #10
Senior Member
 
spritz's Avatar


 
Vintage RV Owners Club
Fleetwood Owners Club
Join Date: Mar 2013
Location: c above
Posts: 4,954
I have full coverage and then some with all of my insurance need's. I prefer to have to much insurance than not enough.
I have a great Ins Agent, he's one top notch Agent. I have the S&B, Classic Car our Daley driver and the MH (Fully covered @ 32 Years old) all thru him, Going on 20 years.
Don't go cheap, if something happens and you then find out you aren't covered for something that happens its too late.
Tim
__________________
1982 Pace Arrow 30ft.
KarKaddy SS, Toad: 1999 Deville Concours
Lilly and Rubie Our 4 legged Kids & Tim & Joe
spritz is offline   Reply With Quote
Old 09-14-2014, 08:57 AM   #11
Senior Member
 
Tha_Rooster's Avatar
 
Join Date: Aug 2008
Location: Georgia
Posts: 4,516
Prices are all over the board depending on area and your credit. Make sure it's a RV policy, just a guess your rig should be in the range $1,000 to $1,200 a year for good coverage.
__________________
2007 Fleetwood Revolution LE 40V
Tha_Rooster is offline   Reply With Quote
Old 09-14-2014, 10:37 AM   #12
Senior Member
 
spritz's Avatar


 
Vintage RV Owners Club
Fleetwood Owners Club
Join Date: Mar 2013
Location: c above
Posts: 4,954
Mine is just under $900.00

In a couple years I'll have paid more insurance than she's worth.!!!! Well worth piece of mind
__________________
1982 Pace Arrow 30ft.
KarKaddy SS, Toad: 1999 Deville Concours
Lilly and Rubie Our 4 legged Kids & Tim & Joe
spritz is offline   Reply With Quote
Old 09-14-2014, 11:12 AM   #13
Senior Member
 
Join Date: Feb 2011
Location: Snowbird - Waterford Mi and Citrus Springs Fl.
Posts: 3,609
450. through AARP/Hartford, for a pretty decent policy that includes collision, agreed on value, uninsured motorists. Oh, and that's a Florida policy.
__________________
1997 37' HR Endeavor, 275hp Cat, Freightliner
03 CR-V Blue Ox, Ready Brake
ahicks is offline   Reply With Quote
Old 09-14-2014, 01:21 PM   #14
Senior Member
 
1ciderdog's Avatar


 
Join Date: Jun 2010
Posts: 4,325
Quote:
Originally Posted by CWinLV View Post
We are about to take the plunge and purchase our first motorhome in the next few days. We are purchasing a 2006 Newmar Dutchstar 4320 43' Tag quad and will be pulling a 2014 Honda CRV. We plan to begin full timing in June of next year.

Based on the above, what insurance would you recommend? What type of questions should we ask when inquiring into insurance?

Thanks!

I've been very pleased with these folks for 25 years or so. Hi Sage Insurance - Your RV, Fifth Wheel, Travel Trailer, Motorcycle, Boat insurance specialists over 25 years
__________________

__________________
Bob, Sandi & Marmaduke the Big Pug
SW OREGON 2004 Journey 39K, 330 Cat
If towing: a 2006 Mini Cooper or 1995 Wrangler
1ciderdog is offline   Reply With Quote
Reply

Tags
insurance



Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
RV / Motorhome insurance JEFFOH Class A Motorhome Discussions 22 09-28-2015 07:37 PM
Insurance Recommendations stephjhart Class A Motorhome Discussions 16 09-18-2014 02:18 PM
Private health insurance alternative deefromlv Full-Timers 4 07-11-2014 11:05 AM
Health insurance supplement insurance jacks647 iRV2.com General Discussion 29 04-16-2014 06:18 PM
Insurance recommendations? roadside assistance,etc. lifesajoy Tiffin Motorhomes Owners Forum 8 11-14-2013 09:48 AM

» Virginia Campgrounds

Reviews provided by


Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -6. The time now is 01:18 AM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.