|
|
10-25-2012, 08:18 PM
|
#1
|
Junior Member
Ford Super Duty Owner
Join Date: Oct 2012
Location: Oregon
Posts: 26
|
RV Insurance question...
We are in Oregon and are wondering how others are insuring their RV. We were going to insure ours for one day so we could drive it home but the insurance companies we have talked to say they don't insure for one day and then tell us it will cost over $600 for a full year or $135 a year for storage liability. This doesn't sound right.
__________________
Avatar - 26' 1984 Fleetwood Jamboree, Ford Chassis w/ 460 Engine
|
|
|
|
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!
|
10-25-2012, 08:26 PM
|
#2
|
Senior Member
Join Date: May 2012
Location: Deep in the Heart of Texas
Posts: 476
|
I just carry liability on my 23 yr old coach, about $70 for 6 Mo. I figure $2000 damages would be totaled, so comprehensive coverage would just be a waste of money. I imagine a 28 yr old class C would be a similar situation.
|
|
|
10-26-2012, 04:51 AM
|
#3
|
Senior Member
Mid Atlantic Campers Forest River Owners Club
Join Date: Mar 2011
Location: Richmond, Va
Posts: 242
|
I don't know of anybody that insures for 1 day unless you are a commercial transport company. We have State Farm and only pay around $175/yr for full coverage. If nothing else, get a 6 month policy, then cancel it after you get the thing home. They should refund the difference.
__________________
'87 Coachmen Leprachuan 27' on Ford E 350 w/ 460 cid, Hedman Headers, dual flowmaster exhaust
|
|
|
10-26-2012, 09:52 AM
|
#4
|
Senior Member
Join Date: Jan 2012
Location: Cutler Bay, Florida
Posts: 707
|
Quote:
Originally Posted by tekrsq
I don't know of anybody that insures for 1 day unless you are a commercial transport company. We have State Farm and only pay around $175/yr for full coverage. If nothing else, get a 6 month policy, then cancel it after you get the thing home. They should refund the difference.
|
I'm with the Hartford on all my cars and I added the RV for about for about 170 a year and have full coverage.
|
|
|
10-26-2012, 10:53 AM
|
#5
|
Junior Member
Ford Super Duty Owner
Join Date: Oct 2012
Location: Oregon
Posts: 26
|
Quote:
Originally Posted by Bilito
I'm with the Hartford on all my cars and I added the RV for about for about 170 a year and have full coverage.
|
Quote:
Originally Posted by tekrsq
I don't know of anybody that insures for 1 day unless you are a commercial transport company. We have State Farm and only pay around $175/yr for full coverage. If nothing else, get a 6 month policy, then cancel it after you get the thing home. They should refund the difference.
|
For $175 a year that sounds reasonable.Over $600 a year sounds like a ripoff...I've heard of others getting insurance from other states that was pretty inexpensive.
__________________
Avatar - 26' 1984 Fleetwood Jamboree, Ford Chassis w/ 460 Engine
|
|
|
10-26-2012, 04:04 PM
|
#6
|
Senior Member
Damon Owners Club Workhorse Chassis Owner
Join Date: Mar 2009
Posts: 24,024
|
Laws vary from place to place but if you are driving it home from the dealer,,, Usually if you have any vehicle that is covered, it is covered as well, same level.. USUALLY, not always. So do not count on this.
YOu may wish to talk to other insurance carriers.. Or as the song advises "Do the shop around". You might find a different insurance company wiling to do what you want, I would have storage coverage on it at the minimum if you are not driving it overwinter.
NOTE: This spring, happened to be the very month my insurance came due for renewal, one of the other posters here posted a lament about how despite no claims, no tickets, no negatives over the last year his insurance had gone up roughly 2,000 per year as I recall.
Mine (Same conditions) went DOWN
So do the shop around.
__________________
Home is where I park it!
|
|
|
10-28-2012, 05:50 PM
|
#7
|
Member
Vintage RV Owners Club Gulf Streamers Club
Join Date: Sep 2012
Location: Sahuarita, Az.
Posts: 60
|
Oregon is high on insurance. They require personal insurance to be part of the policy so it runs it way up there.
We had 2 vehicles registered and Arizona was nearly 1/3 what we paid up there. Liability on our MH is 47 bucks for 6 months.
They didn't ask if we lived in it and I didn't say.
__________________
27 ft. 1986 Gulf Stream Custom Class A, the "Snowbird".
Full timers Jay & Margie
Then there is Bindi, our min-pin who lounges in her chair.
|
|
|
10-28-2012, 07:59 PM
|
#8
|
Senior Member
Texas Boomers Club Jayco Owners Club
Join Date: Aug 2001
Location: Texas
Posts: 714
|
Our tow vehicle liability covers our trailer for liability. We have no comp coverage on the trailer. If we wreck it, we fix it ourselves. Fixed value coverage was just way to expensive.
__________________
Ron & Ellen
2020 Ram Longhorn 6.7 4D SB / 1989 Avion 34V /FMCA F480691
|
|
|
10-29-2012, 12:05 PM
|
#9
|
Moderator Emeritus
Jayco Owners Club RV Trip Wizard
Join Date: Oct 2009
Location: Poinciana FL
Posts: 7,781
|
So buy whatever the company requires and then cancel it a day, week, or whatever later. You'll be reimbursed for the unearned part of the premium.
Your car insurance company MAY provide temporary coverage off your existing policy for a week to a month, but you need to confirm that with them first. Not all will, nor will all jurisdictions allow that.
__________________
Jay and Peggy Monroe
"Can't take it with you, not leaving any behind"
2024 Jayco White Hawk 26FK
2024 Ford Expedition
|
|
|
10-31-2012, 11:23 AM
|
#10
|
Senior Member
Join Date: May 2012
Location: Antlers, Ok
Posts: 130
|
According to my insurance company (GEICO) the liability portion of my trucks insurance also covers anything I tow. I can get comp coverage but it will not cover replacement cost of my trailer (71 Airstream) just current value. Current value of my 86 Prowler is a lot different that 71 Airstream. The Airstream can get into the 10s of thousands of dollars. Won't see any 86 Prowler's going at that price lol.
After I get my Airstream finished I will get comp insurance for it. It can cost $$$$$ to get one of them repaired. I have been working on that project for two years now. Even parts for it cost lots.
I agree with above - shop around. Even get quotes over the internet. Normally all you need for a quote is very little information and the VIN.
Good Luck
__________________
Mel MSgt. USAF (Ret)
1986 Prowler 3000 CL 5er
2006 GMC SLE Reese 16K Pro Fifth Wheel w/slide
|
|
|
10-31-2012, 05:50 PM
|
#11
|
Member
Vintage RV Owners Club Gulf Streamers Club
Join Date: Sep 2012
Location: Sahuarita, Az.
Posts: 60
|
When getting internet quotes you might want to open a "throw away" email. You will get lots of spam from all of the ones you contact that will drive you nuts.
__________________
27 ft. 1986 Gulf Stream Custom Class A, the "Snowbird".
Full timers Jay & Margie
Then there is Bindi, our min-pin who lounges in her chair.
|
|
|
10-31-2012, 06:03 PM
|
#12
|
Senior Member
Pond Piggies Club Appalachian Campers Forest River Owners Club iRV2 No Limits Club
Join Date: Jun 2012
Location: West Virginia
Posts: 547
|
We have State Farm on 2 cars and a boat. State Farm TT recreational vehicle insurance is just under $200 a year. Liability coverage, medical payments coverage, uninsured & underinsured motor vehicle coverage, & physical damage coverage. DH didn't look around or even really ask about it - just called our agent and said " we just bought this."
__________________
-Laura
2016 Shasta Oasis 18BH and 2004 Aliner Expedition towed with a 2015 Ram1/2 ton Hemi
|
|
|
10-31-2012, 09:17 PM
|
#13
|
Senior Member
Join Date: Sep 2012
Location: Hickory Tavern, SC
Posts: 258
|
We went with Safeco and they were from AAA Carolinas. We let AAA do the shopping and they hooked us up. Adding our 2010 Fuzion and dropping a Jeep, we saved $600 a year! Call about adding to policy.
|
|
|
10-31-2012, 09:36 PM
|
#14
|
Senior Member
Country Coach Owners Club Solo Rvers Club iRV2 No Limits Club
Join Date: May 2011
Location: Vancouver, WA
Posts: 37,725
|
Quote:
Originally Posted by CowboyUpFord
We are in Oregon and are wondering how others are insuring their RV. We were going to insure ours for one day so we could drive it home but the insurance companies we have talked to say they don't insure for one day and then tell us it will cost over $600 for a full year or $135 a year for storage liability. This doesn't sound right.
|
Our DSDP is 10 years old and we pay about $1200 a year for it. We do have full original cost loss on it though.
__________________
2009 45' Magna 630 w/Cummins ISX 650 HP/1950 Lbs Ft, HWH Active Air
Charter Good Sam Lifetime Member, FMCA,
RV'ing since 1957, NRA Benefactor Life, towing '21 Jeep JLU Rubicon Ecodiesel
|
|
|
|
|
Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
|
|
Posting Rules
|
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts
HTML code is Off
|
|
|
|
» Recent Discussions |
|
|
|
|
|
|
|
|
|
|
|
|
|