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Old 10-13-2016, 03:50 PM   #1
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Hi all! Looks like our dream of owning a Tiffin Red 38QBA will be coming true. This will be our first MH. I have a few insurance quotes, but interested in knowing who you use and approx what you pay.

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Old 10-13-2016, 04:28 PM   #2
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I was a State Farm Agent for 28 years and when I left, the systems for calculating premiums are very complicated now. They look at about 150 different characteristics about you to figure your premiums. You best thing is to check with many companies you like an see who has the best rate. Also check out there claim paying ability. Ask about what they charge when you have an at fault accident on your next premium. Accident surcharges vary a lot from company to company. I pay 575.00 a year on my rig, full coverage with 1000.00 deducible and 0 deductible glass.

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Old 10-13-2016, 04:51 PM   #3
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Old 10-14-2016, 11:20 AM   #4
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As inlineskater says, there is no meaningful comparison between any two RVs & RV owners insurance costs. Or the "right amount" of coverage for for their needs either. You need to get quotes from several companies, or use an independent agency that will shop for you. Millers RV Insurance is one such.

I currently use Allied (A Nationwide subsidiary) through the FMCA group insurance arrangement. In the past I have used National Interstate and AARP/Hartford. Others like Progressive or Good Sam (National Interstate) or Blue Sky, but those have always come up more expensive for me. They may be spot of for you, though, so get a quote.

First, however, you need to think about the amount of liability coverage, collision & comp and their deductibles, whether you want Replacement Cost or Actual Cash Value on the loss coverage, and the amount of personal property coverage you need. Don't rely on the agents guesswork, or at least question him on those items once you get the quote. It's not a one-size-fits-all.
Gary Brinck
Former owner of 2004 American Tradition
Home is in the Ocala Nat'l Forest near Ocala, FL
Summers in Black Mountain, NC
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