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Old 12-05-2013, 07:58 PM   #15
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Wallaby Dan's Avatar
Vintage RV Owners Club
Join Date: Jun 2006
Location: Texas
Posts: 2,238
I had full coverage on our motor home, (1979 coachman). It was totaled out July and they paid for the extras we had. If you do a lot of mods and want to get the funds for a replacement, you need to keep ALL of the receipts. I had Progressive. My new home is also with Progressive and also has the truck on it. Both have assumed value as i have all the receipts for everything. Pics will also help if you have to make a claim. Since we full-time it was easier to get a fire safe to keep everything including the titles and anything else we need to show everything done. Dan

1991 1500 Chevy Pickup
1994 5th wheel 30 foot trailer
I'm lost. I've gone to look for me. If I should return before I get back, please ask me to wait.
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Old 12-06-2013, 08:34 AM   #16
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wa8yxm's Avatar
Damon Owners Club
Workhorse Chassis Owner
Join Date: Mar 2009
Posts: 23,869
Well, 25 years qualifies a vehicle in many places as "Vintage" (Source: One of those places,, Michigan Secretary of State (DMV)).

Thus I'd go with apprasial and then make a decision.

Home is where I park it!
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Old 12-26-2013, 05:46 PM   #17
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Vintage RV Owners Club
Gulf Streamers Club
Join Date: Mar 2009
Posts: 143
I have Foremost, Unit is insured for replacement. 1987 Gulfstream Sunvista, about 4500. Contents to 15000.00 as we live in it full time.
Premium is 55.00/month.
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Old 12-30-2013, 07:06 PM   #18
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Join Date: Aug 2012
Location: carneys point New Jersey
Posts: 69
i have an 89 fleetwood covered by progressive for around 50 dollars a month
cronin 1989 pace arrow 32k
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Old 12-31-2013, 07:55 PM   #19
Join Date: Jul 2013
Posts: 58
I see a few of you referring to liability at "minimum required".

I used to work for a [too big to fail = bailed out] auto insurance company.
Would it surprise you to know that the higher your requested coverage limits of liability are the LOWER the price for the policy?
Fact, with that company and possibly many other insurers.

Reason: moral hazard. The underwriters figure that anyone looking to get by with only what they are forced by law to carry is likely to cut corners in other respects and may not be a good risk. Whereas someone who requests a half a million liability limit is prudently trying to protect what he owns, and is probably less inclined to risky behavior.

You may not need full coverage for damage to your own vintage RV, but keep your liability limits where you would want them to be in the event that someone ever has a legit claim against you.
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Old 01-07-2014, 02:45 PM   #20
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Fleetwood Owners Club
Join Date: May 2011
Location: summer-Cuba Mo./winter Somewhere in South TX.
Posts: 371
I carry liability, medical payments, uninsured & underinsured on my '87 Pace Arrow. My Homeowners on my S&B has offsite coverage for clothes, laptop, tools, etc. I figure that if I total the unit, I'll sell the remains to the salvage yard, & find another unit. Then write it off as a casualty loss on taxes. It Blue Books at $4,900.00. I also have a 2000 Cadillac & 1998 Saturn with the above coverage's. Eddie Elk.
1998 Pace Arrow Vision 36' w/460, '98 Saturn SW2, FMCA #388823, Gateway Getaways RV Club
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Old 01-07-2014, 03:16 PM   #21
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Join Date: Apr 2011
Location: alexandria, va
Posts: 105
i have mine covered by geico with my other vehicles.

i also consider my AAA Rv coverage as "insurance" too -- thankfully i've never had to use the tow!

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