Community Forums

Mr_D · 04-22-2015, 08:22 PM

Changed to Allied through Miller Ins (from National General) and saved $1500. Pays to shop around! This was for three vehicles.

PatStab · 05-13-2015, 07:28 AM

We were paying $760 on a 1992 American Eagle. After hearing only the small amount a trade in would give us we felt this was pointless, they would total it anyway.

I went to just liability and its only $85 a year, we decided just save the money
and apply it against repairs if needed. So far I've been lucky hope it doesn't run out.

cb5300 · 05-13-2015, 02:45 PM

Quote:

Originally Posted by Mike and Cha

Like I said, I have everything I own insured thru State Farm, plus the Umbrella Covering everything. So maybe that makes a difference. So far none of my policies have gone up, with the exception of the MH, it went up $20 from the original first year quote. I have two houses(minimal change in one over 20 years, and the other no change after 4 years even though the value has increased) and several vehicles that have went down a few dollars, since what the insurance was at when brand new.

I would fully expect things to change a little over the years as liability issues and repair costs seem to be changing things that affect rates. I would never ask my Agent to sign anything like Triker suggests. All I can say is I have checked my rates to see if anything else out there can beat it, and they can't. I would say my Agent is being honest with me based on what he knows today, and being a long term customer that hasn't jumped around with Insurance companies on every new purchase, I highly doubt he is going to lie to me and ruin that relationship. I still think $890 a year on a brand new MH with replacement coverage was reasonable. They could have way over quoted it and forced me to look elsewhere but so far they have kept my rates on everything fairly reasonable.

Reasonable??? I'd say more like unbelievable. I've had State Farm run numbers every year and they are NEVER in the ball park. I'm wondering what you are using as your base to determine your value for the replacement. I know that on my 2008 Sig the insurance company took my MSRP (almost 700K) and worked from that, and as I added equipment to the coach (two satellite systems) then my base was increased. Long store short I've never been able to find the same coverage that I have now for $890/yr. heck that wouldn't even be a quarterly price.

Mike and Cha · 05-13-2015, 03:01 PM

Quote:

Originally Posted by cb5300

Reasonable??? I'd say more like unbelievable. I've had State Farm run numbers every year and they are NEVER in the ball park. I'm wondering what you are using as your base to determine your value for the replacement. I know that on my 2008 Sig the insurance company took my MSRP (almost 700K) and worked from that, and as I added equipment to the coach (two satellite systems) then my base was increased. Long store short I've never been able to find the same coverage that I have now for $890/yr. heck that wouldn't even be a quarterly price.

If you're talking about my MH, the rate is based on the MSRP of $170K, so I don't see where you think it's unbelievable , do the math your MH base was 700k, so yes the insurance could be almost 4x as much depending on rates in your area. I have no reason to lie or embellish, I don't work for State Farm ( or anyone else for that matter), all I'm doing is putting out what I pay to help others decide, you never know unless you check. I guess I could always send you a copy of my policy if you really doubt it, but you can go into any State Farm office and they will give you a quote based on the MSRP and your driving record, which always helps...no tickets, claims, or accidents in over 40 years with them.

HavingABlast · 05-13-2015, 03:15 PM

Mike and Cha,

I've been insured through SF for 45 yrs. We have house and 3 car coverage. Because of agent retirement, we are on our third agent. When I asked our current agent for a quote for our MH he came back with something about twice what you are reporting. I was not interested in switching from SF. I may just have to switch agents. It appears that the agent writing the policy can affect the premium.

2015 Newmar Ventana 3636 (on order), Cummins ISB,
2014 JKU Wrangler, SMI AF1, Blue Ox

Mike and Cha · 05-13-2015, 04:33 PM

Quote:

Originally Posted by HavingABlast

Mike and Cha,

I've been insured through SF for 45 yrs. We have house and 3 car coverage. Because of agent retirement, we are on our third agent. When I asked our current agent for a quote for our MH he came back with something about twice what you are reporting. I was not interested in switching from SF. I may just have to switch agents. It appears that the agent writing the policy can affect the premium.

2015 Newmar Ventana 3636 (on order), Cummins ISB,
2014 JKU Wrangler, SMI AF1, Blue Ox

I'm not sure how much difference they can make on pricing, but I do know they can vary widely on service. So maybe you live in an area where the insurance is higher, or we get more discounts as we have three cars, a motorcycle, the MH, three houses, and an umbrella policy thru them. Also a good agent will help you to structure the policy to best meet your needs. As I stated before we have never had a claim that went against our policy, so with that we went with the $1000 deductible. Also we never even thought of the replacement cost policy until they explained it to us and showed us the price difference which wasn't very much considering if they had to replace it. But your MH may be twice the value of mine, which wouldn't account for twice the price, but definitely more. All I know is I have high coverages on mine, replacement cost, $1000 deductible, plus the Umbrella, and it's $890 a year.

When my original Agent retired it took us going thru two different Agents before we found one that gave us similar service and actually discussed all our policies with us. But none of them are as good as the one that retired.

HavingABlast · 05-13-2015, 07:11 PM

Quote:

Originally Posted by Mike and Cha

I'm not sure how much difference they can make on pricing, but I do know they can vary widely on service. So maybe you live in an area where the insurance is higher, or we get more discounts as we have three cars, a motorcycle, the MH, three houses, and an umbrella policy thru them. Also a good agent will help you to structure the policy to best meet your needs. As I stated before we have never had a claim that went against our policy, so with that we went with the $1000 deductible. Also we never even thought of the replacement cost policy until they explained it to us and showed us the price difference which wasn't very much considering if they had to replace it. But your MH may be twice the value of mine, which wouldn't account for twice the price, but definitely more. All I know is I have high coverages on mine, replacement cost, $1000 deductible, plus the Umbrella, and it's $890 a year.

When my original Agent retired it took us going thru two different Agents before we found one that gave us similar service and actually discussed all our policies with us. But none of them are as good as the one that retired.

We live just north of San Diego. That may affect the premium. I understand that the MSRP will have an impact as well. I was waffling on the deductible. Cannot get face time with our current SF agent...only his "mini-me".

BTW... We used the same dealer for our purchases...Tom Lindstrom. A first class operation!!!

2015 Newmar Ventana 3636 (on order), Cummins ISB,
2014 JKU Wrangler, SMI AF1, Blue Ox

Mike and Cha · 05-14-2015, 12:13 AM

Quote:

Originally Posted by HavingABlast

We live just north of San Diego. That may affect the premium. I understand that the MSRP will have an impact as well. I was waffling on the deductible. Cannot get face time with our current SF agent...only his "mini-me".

BTW... We used the same dealer for our purchases...Tom Lindstrom. A first class operation!!!

2015 Newmar Ventana 3636 (on order), Cummins ISB,
2014 JKU Wrangler, SMI AF1, Blue Ox

I originally thought the $1000 deductible was a little high, but it really made a difference in the yearly cost. I guess I just figure with what we have invested in the MH, $1000 is no big deal if we have a significant type damage, and what we save yearly will most likely make up for any small repairs we would pay out of pocket if needed. Knock on wood, so far we've had it a little over a year with no damages.

As far as Tom Lindstrom I agree he is the best, and he does run a first class operation. Some people think I'm exaggerating when I tell them how top notch and honest Tom is, but once they contact him they really understand. I have referred 5 people so far to him who have bought. If we ever decide to move up to the Ventanna, I hope he is still around as we will definitely buy from him again. We stop in just to see him every once in a while, and we are 70 miles away from his shop.

Lynnda Butler · 07-06-2015, 12:29 PM

I have had Overland Insurance for the past three years......great people when you call...actually talk to a live person. Very helpful, answer questions and were the best rate of all companies called.

davedog · 07-14-2015, 11:40 AM

I work for Farmers and we handle a lot of travel trailer and RV's through Farmers as an endorsement onto your vehicles, or we write them through Foremost and they are very competitive.

If anyone has any questions I might be able to answer for you shoot me a message or post any questions up here. Will help best I can.

barbhldsmith · 08-26-2015, 04:01 PM

We are going full time RV... With no home. Looking for a reliable company that will give us replacement costs and an umbrella policy too... Also have two vehicles an ATV and two utility trailers, Any suggestions?

davedog · 08-27-2015, 11:03 AM

What state are you in?

From my experience you won't be able to find an umbrella policy without having a homeowners policy to adhere it to. There might be some smaller brokerages that can do it, but I have yet to find a company in CA to place that kind of insurance. Just go for the highest liability limits offered by the RV policy that will be your best bet.

rogerkk · 08-30-2015, 09:16 PM

Interesting RV insurance note:

Reference Allied (Nationwide) RV Insurance, I found an interesting paragraph in my policy when reading through it that was not discussed when the policy was purchased.

PHYSICAL DAMAGE COVERAGE EXCLUSIONS, ITEM NUMBER 27. QUOTE "TO YOUR RECREATIONAL VEHICLE WHILE IN THE CUSTODY OF A PERSON OTHER THAN YOURSELF OR A RELATIVE FOR THE PURPOSE OF SELLING, RENTING, OR LEASING YOUR VEHICLE." UNQUOTE. (My emphasis added).

When asked, an agent explained the insurance would not be in force for physical damage to the RV while on an RV dealers lot, or being driven by a prospective buyer, even for one of the big national recognized dealers such as PPL.

franktr · 09-01-2015, 04:41 PM

Quote:

Originally Posted by davedog

I work for Farmers and we handle a lot of travel trailer and RV's through Farmers as an endorsement onto your vehicles, or we write them through Foremost and they are very competitive.

If anyone has any questions I might be able to answer for you shoot me a message or post any questions up here. Will help best I can.

I have my two cars and home with Farmers here in Texas. As I am still shopping I asked for a quote on a Fleetwood cast of $80000 full coverage and quoted $1250 per year. Sounds high to me.