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Old 03-28-2014, 04:55 PM   #1
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Which Insurance Company is the consensus tops for our MHs

Rates, towing policy, claims reimbursement, the works. Or does one need multiple companies to cover you completely?

Also, does what state you have it registered effect much in their eyes if you are a full time traveler? If so, what is the best state to supposedly reside in or have your driver's license from?
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Old 03-28-2014, 06:36 PM   #2
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Quote:
Originally Posted by SissyBoyBob View Post
Rates, towing policy, claims reimbursement, the works. Or does one need multiple companies to cover you completely?

Also, does what state you have it registered effect much in their eyes if you are a full time traveler? If so, what is the best state to supposedly reside in or have your driver's license from?
I don't think you'll find any consensus here about the "best" insurance company. There is strong evidence that many of the major companies will offer new customers a low rate and then raise them each year. Many folks shop for the best deal frequently.

One thing you will find, is that the majority of us here really like CoachNet for roadside assistance.

I'm not sure I understand your full timer question. Even though one hits the road full time, they still need to establish a state as their "domicile".

We chose Texas because they had no state income tax and the MH registration was relatively cheap. Many chose other states... but you have to have a domicile established somewhere.

Rick
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Old 03-28-2014, 07:38 PM   #3
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Many discussions on these topics. The members here will give you 10 or 12 recommendations on "best" insurance companies in their opinions. For example in Florida I found Blue Sky best.

Three states are talked about as the best for domicile discussions. Florida, Texas and SD. All 3 do not have state income taxes. I believe they all require a physical address within the state to get a driver's license. All 3 allow you to use a mail forwarding service for this physical mailing address.

You will have to investigate yourself on which is best for your particular circumstances.
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Old 03-29-2014, 08:09 AM   #4
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Rates depend a lot on YOU ...driving record & credit rating. I've had Natl Interstate through Explorer RV for 10 years. Had a lightning claim and several glass claims and no complaints w/service, no significant rate increases. I use Coach-Net for road service.
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Old 03-29-2014, 08:45 AM   #5
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For the almost 5yrs. of being on the road we've had Progressive. The rates we're great and for just an additional $75 a year we got the road side service which includes towing rider.
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Old 03-29-2014, 10:22 AM   #6
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Are you asking "Insurance" for like when you are in an accident? If so then the state you have it registered in will make a difference in price. We have Progressive and just transferred it from MI to CA. Price in MI was just over $1k with what options we wanted. Price in CA with the same options went down to about half that. Both Thom and I have clean driving records and that has something to do with it too.
On the other hand the motorcycle insurance almost doubled going from MI to CA, more riding days according to them is why .... so it was almost a wash in total price.

If you are asking about "Roadside Assistant" well for that we have both Coach-Net and AAA. I wanted Coach-Net and Thom wanted AAA and we got both. Have not had to use either one yet (knock on wood) but we figure with the price of about $125 each we can have piece of mind for a year.
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Old 03-30-2014, 07:59 AM   #7
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If you are asking about "Roadside Assistant" well for that we have both Coach-Net and AAA. I wanted Coach-Net and Thom wanted AAA and we got both. Have not had to use either one yet (knock on wood) but we figure with the price of about $125 each we can have piece of mind for a year.[/QUOTE]

Why wouldn't you get the roadside assistance w/towing from Progressive? I only pay $75 a year for it, and have used it twice with no problems at all. In fact we had to have a tow when we were in the Yukon Territory which they took care of with no problem. Just wondering??
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Old 03-30-2014, 10:50 AM   #8
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Insurance Which is best

As stated earlier, its up to you on how much coverage you want. After reviewing 6 major RV insurance companies I found each has certain coverages which sets them apart from the other. I beleive the best coverage on new vehicles is the Total Loss Coverage which most the majors have. Ask questions on which coverage best suits your confort zone.

PJ
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Old 03-30-2014, 01:50 PM   #9
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If you are asking about "Roadside Assistant" well for that we have both Coach-Net and AAA. I wanted Coach-Net and Thom wanted AAA and we got both. Have not had to use either one yet (knock on wood) but we figure with the price of about $125 each we can have piece of mind for a year.
Why wouldn't you get the roadside assistance w/towing from Progressive? I only pay $75 a year for it, and have used it twice with no problems at all. In fact we had to have a tow when we were in the Yukon Territory which they took care of with no problem. Just wondering??[/QUOTE]

Because I wanted Coach-Net and Thom wanted AAA for something other than accident coverage.
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