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Old 08-27-2009, 11:21 PM   #15
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Originally Posted by RV Roamer [Gary] View Post
We have "agreed value" coverage on our 2004 from National Interstate (explorerrv.com). The "agreed value" is the price we paid for it when we bought it used.

we took the national insurance with purchase price agreement, only to learn when we got the policy, if you do not replace your rv if it is totaled, they will only give you what they determine to be the cash value at the time of the accident. have you had any claims with this company and are you satisfied with them.

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Old 08-29-2009, 08:22 AM   #16
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This is normal for many insurance policy's. The reasoning behind it is they don't want to give an incentive for totaling their RV.

If ours was a total loss, you can be sure I'd be purchasing another one.

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Old 08-31-2009, 03:09 PM   #17
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What did you tell them you paid for it?
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Old 09-02-2009, 10:51 AM   #18
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Can someone post a website for National Insurance? When I search for it, I get a couple of returns. Not sure which is the one folks are speaking of. Thanks!
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Old 09-05-2009, 01:07 PM   #19
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Originally Posted by faye View Post
do any of you have motorhome insurance that will pay replacement cost of the rv in the event it is totaled in an accident??? if so with who and phone number would be appreciative. also if you have the replacement insurance, is it for rvs only for certain years old. we have purchased a 2004 class a. thanks for all the help.
PROGRESSIVE: I highly recommend Progressive; used it for two motorhomes. Here is a company that will give you a quote:
Hi Sage Marketing
650 Metcalf Street
Escondido, CA 92025

1-800-876-5581 They will be happy to give a quote over phone. Have your VIN infront of you when you call. That is the vehicle identification number which should be on your registration. Whatever deductable you select will reduce 25% each year you are insured. We always select $1000.00 and in four years it is reduced to $0 deductable.

Let me know how you come out. We just insured our 2008 Monaco Cayman XL 37' with 3900 miles on it for $964.00 which includes ZERO deductable on the large one piece windshield.

Jim Hathaway
Gold Canyon, AZ
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Old 09-05-2009, 01:19 PM   #20
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Originally Posted by PartyBoyWA View Post
Can someone post a website for National Insurance? When I search for it, I get a couple of returns. Not sure which is the one folks are speaking of. Thanks!
National Interstate

However, I got a better deal on National Interstate through a broker, Farm & City.

Farm & City
Adios, Dirk - '84 Real Lite Truck Camper, '86 Wilderness Cimarron TT, previously 4 years as a fulltimer in a '07 DSDP

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Old 09-05-2009, 07:43 PM   #21
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National Interstate, usually does not deal directly but on their site you will see all the companies that deal for them.
Avoid Progressive if possible, they are not all they are cracked up to be. I talk to them when I had Allstate and again when I got GMAC and they could not begin to cover me as well as either company could nor could they meet the same price and deductible as I was paying. A rver from Florida who said he was a Progressive Insurer told me he could beat any other price when I called him and told him what I pay for my coverage and the deductible, he himself said he was going to change his rv insurance. So be sure and check them all out first. National Interstate does give a great price and great coverage. GMAC beat them by only a few dollars a year. For the same coverage I have. I think the advantage I had was GMAC gave me a discount for being a Good Sam member and thats what beat the price.
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Old 09-06-2009, 04:15 AM   #22
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Gilbert RV Insurance. They write for several different company's.
The number is 1-888-784-6787.

What I like about them is they are very knowledgeable about RV insurance the the needs we have.
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Old 09-06-2009, 08:16 AM   #23
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Faye, we also have National Interstate with all the goodies and are very happy with them.
Also full timing is great and if you go to the full timing thread you will get a lot of good remarks.
2005 KSDP 3910-----2007 Jeep Liberty

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Old 09-07-2009, 05:46 PM   #24
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that's a sweet tag line in your signature...think I might borrow that for my skype profile Thx!
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Old 09-07-2009, 08:10 PM   #25
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Be careful with Progressive Insurance!! I too signed up with Progessive in '05 when we bought our current M/H, through R/V America Insurance. Reason being of the replacement cost for the first 5 years and after 5 they'll give you the cost you payed ,if totaled.The first renewal and after it seems the premium went up each year by $100 -$125. This year I got another quote from R/V America which came in around $225 lower than my original renewal. Here's the catch if I took the lower rate that now changes the policy. This is their loop hole they don't tell you unless you ask. The policy now would change from replacement cost to actual value replacement cost. I would have to get the M/H appraised at todays market value, which would be considerably lower than what I payed in '05. Next year probably another increase,and I have no claims with them. Buyer be ware!
John & Greta
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Old 09-15-2009, 11:14 PM   #26
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Give these people a call. I have had my motorhome with them for almost 4 years, and yes I purchased it used.........and I decided the REPLACEMENT VALUE. Good Luck.
David G.

Gilbert RV Insurance
5780 S Semoran Blvd
Orlando Fl 32822
1-888-784-6787 c/o Cheryl C.
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Old 11-06-2009, 08:49 AM   #27
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I have complete motorhome insurance with replacement total loss coverage through GEICO.
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Old 11-07-2009, 02:48 PM   #28
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I just got a quote from Geico and they offer it as an option for the first 5 model years.



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