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Old 12-30-2009, 11:12 AM   #1
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MH insurance rates

Just doing my research right now - what do typical (ballpark) ins rates on used 100K DP MH run ( assuming good credit and record).. Also what's the premium for using it as a full-timer? Thanks
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Old 12-30-2009, 11:45 AM   #2
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There are so many variables involved that will effect rates.
Credit rating, location, rv make/year, just to name a few.
You will get a WIDE range of costs, all of which are correct.
Good luck!
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Old 12-30-2009, 11:47 AM   #3
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It's just next to impossible to compare someone else's rates as there are too many variables.

When I bought my MH and started shopping for fulltimer's insurance, I found rates from about $1500 to $3600 for comparable coverage.

I recommend Farm and City Ins. They are a broker and I have National Interstate through them. I got a lower premium through F & C than I could dealing directly with NI. Go Figure.

You really need to call the companies that offer fulltimer's ins. and see what they quote you for your particular situation.
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Old 12-30-2009, 01:42 PM   #4
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what exactly dictates being a full timer?
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Old 12-30-2009, 02:10 PM   #5
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what exactly dictates being a full timer?
That may a bit different according to each insurer.
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Old 12-30-2009, 04:06 PM   #6
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For the same coverage I had in NC, my rate in Arkansas was half as much. Same company Farm Bureau. I know that Allstate, Sams, Gyeco and a independent were much higher here.
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Old 12-30-2009, 04:23 PM   #7
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Quote:
Originally Posted by Drop In View Post
Just doing my research right now - what do typical (ballpark) ins rates on used 100K DP MH run ( assuming good credit and record).. Also what's the premium for using it as a full-timer? Thanks
Drop In - rates will vary widely based on the state you're in, your own (and your spouse's) driving history, your credit rating, the coverage you want, the color of your hair (just kidding! Only slightly!), etc., etc.,

That said, before you speak with live agents you may want to start by getting an online bid from Progressive, which many on these boards use, including myself. They seem to specialize in RV coverage, whereas some mainstream insurers don't really understand the issues for an RV. For us, weekend campers with a good driving history and good credit, we found Progressive provided the best prices. We've never had a claim so can't speak to that experience, but from others reports it sounds as if they're at least as good as (or no worse than) other insurers. I only suggest this as it's quick and easy and you can use that as your reference point.

Just to give you a comparison point, we got full coverage for our $100k gasser, including replacement cost and all bells and whistles, for $985 a year. Again, that's for occasional use only, not full-timing. YMMV.
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Old 12-30-2009, 04:55 PM   #8
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I live in Florida. When I purchased my Fleetwood in '07, I took a policy with Progressive, for $1,000 a year. I had a $3,000 claim in '08 and a windshield replacement, in '09. Progressive doubled my rate, from $1,000 to $2,000 a year. I didn't renew with Progressive and have since gotten a policy from "Good Sam", for $1,500 a year.


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Old 12-31-2009, 03:12 AM   #9
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I live in Florida. When I purchased my Fleetwood in '07, I took a policy with Progressive, for $1,000 a year. I had a $3,000 claim in '08 and a windshield replacement, in '09. Progressive doubled my rate, from $1,000 to $2,000 a year. I didn't renew with Progressive and have since gotten a policy from "Good Sam", for $1,500 a year.


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i found out recently that the good sam policy underwritten by gmac may not be such a good deal.
it seems that the gmac insurance company has been caught up in the other parts of gm's and gmac's business and have been downgraded by the am best rating agency.
my umbrella liability insurance company would not renew my long standing policy if i stayed with gmac.
after shopping around, i changed my moho policy to state farm. about the same coverage for about $100 less per year.
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Old 12-31-2009, 12:45 PM   #10
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My company (National Interstate) says I'm a fulltimer if we use the rig more than 150 nights a year. Regardless of whether we have a fixed home or not. But the additional coverage cost is only about $70/year, so its not a big deal.

As for rates, figure out coverage you want (limits of liability, collision or not, deductibles, various extra coverages like towing or extra personal items, etc. Then shop around for rates on that coverage, including internet specialty agencies as well as in-town agents. It's easy to get price quotes - figuring out what you need and can afford is harder.
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Old 12-31-2009, 01:27 PM   #11
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I shopped, researched, and shopped some more. I couldn't find better rate from any company, especially one with a reputable history.

Gilbert RV Insurance
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Old 12-31-2009, 01:58 PM   #12
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We are not full timers and have a 2005 Safari Cheetah 38 PDQ and live in Central Coastal Florida. We have GEICO and we pay $852.00/year with towing and a $500.00 deductible. It has the same coverage as most other policies but does not have full replacement. It will pay the NADA Average Retail Price if it is totaled, which now is about $15K more than I paid for it 18 months ago.

I think if you buy new and plan on keeping a MH at least 3 years, you should get full replacment coverage.
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Old 01-06-2010, 10:46 AM   #13
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thanks everyone
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Old 01-06-2010, 01:11 PM   #14
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Full coverage insurance rate with GEICO including full cost replacement and elevated collision and liabilty runs me: $1400.00/year
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