Free 7 Day Trial RV GPS App RV Trip Planner Campground Reviews RV Maintenance Free 7 Day Trial ×
RV Trip Planning Discussions

Go Back   iRV2 Forums > THE OWNER'S CORNER FORUMS > Newmar Owner's Forum
Click Here to Login
Join iRV2 Today

Mission Statement: Supporting thoughtful exchange of knowledge, values and experience among RV enthusiasts.
Reply
  This discussion is proudly sponsored by:
Please support our sponsors and let them know you heard about their products on iRV2
 
Thread Tools Search this Thread Display Modes
 
Old 03-03-2021, 11:25 AM   #1
Junior Member
 
Newmar Owners Club
RV Trip Wizard
Join Date: Feb 2021
Location: Talladega, AL
Posts: 6
MH Insurance

Hello,
We live in AL and are in the process of purchasing a 2016 DS 4369 and are kind of stuck in choosing insurance. I know there are quite a few factors that play a part in a yearly rate but the broker and several others have said it sounds high. I've looked on Progressive- $4725/year, Good Sam(National General)- 4729/yr so far. We are completely new to motorhomes and have only had TT's in the past. We will be doing short trips to learn and get comfortable before going out full time in August. Can anyone tell me if these rates are way out of the ballpark or are they reasonable? They were pretty much equal numbers on coverage. Thanks so much for any advice!
Wendy
wpirk75 is offline   Reply With Quote
Join the #1 RV Forum Today - It's Totally Free!

iRV2.com RV Community - Are you about to start a new improvement on your RV or need some help with some maintenance? Do you need advice on what products to buy? Or maybe you can give others some advice? No matter where you fit in you'll find that iRV2 is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with other RV owners, see fewer ads, upload photographs, create an RV blog, send private messages and so much, much more!

Old 03-03-2021, 11:48 AM   #2
Senior Member
 
lrwinddancer's Avatar


 
Join Date: Sep 2020
Location: Athens, AL
Posts: 119
Quote:
Originally Posted by wpirk75 View Post
Hello,
We live in AL and are in the process of purchasing a 2016 DS 4369 and are kind of stuck in choosing insurance. I know there are quite a few factors that play a part in a yearly rate but the broker and several others have said it sounds high. I've looked on Progressive- $4725/year, Good Sam(National General)- 4729/yr so far. We are completely new to motorhomes and have only had TT's in the past. We will be doing short trips to learn and get comfortable before going out full time in August. Can anyone tell me if these rates are way out of the ballpark or are they reasonable? They were pretty much equal numbers on coverage. Thanks so much for any advice!
Wendy
Howdy Windy, I am in Athens AL and just got a policy from Progressive for our 2020 4081 DS. Both Progressive and Good Sam were my best rates as well. One thing I tend to do on insurance is share the risk by carrying a large deducible. They will quote you a $250 or $500 because a lot of people will come running for every little thing. I figure I can stand to see a couple thousand of dollars in damage but can’t handle a complete write off. It took my quote down to about half. Your numbers seem a bit high, but depending on your situation and location might be right. Go to Progressive’s web site and play the what if game directly for instant display of your cost. The other place to pay attention to is the amount of coverage for the contents in your RV. Some brokers will under cover this to keep your cost down. Also consider if you need the Canada or Mexico coverage brokers will throw in. Just my 2 cents worth.
__________________
Lynn
Athens, AL 35611
2020, Dutch Star 4081, 2020 Forest River FR3 34DS
lrwinddancer is offline   Reply With Quote
Old 03-03-2021, 12:36 PM   #3
Senior Member
 
Jtrving's Avatar


 
Join Date: Mar 2017
Location: Roaring Gap, NC
Posts: 556
Quote:
Originally Posted by lrwinddancer View Post
Howdy Windy, I am in Athens AL and just got a policy from Progressive for our 2020 4081 DS. Both Progressive and Good Sam were my best rates as well. One thing I tend to do on insurance is share the risk by carrying a large deducible. They will quote you a $250 or $500 because a lot of people will come running for every little thing. I figure I can stand to see a couple thousand of dollars in damage but canít handle a complete write off. It took my quote down to about half. Your numbers seem a bit high, but depending on your situation and location might be right. Go to Progressiveís web site and play the what if game directly for instant display of your cost. The other place to pay attention to is the amount of coverage for the contents in your RV. Some brokers will under cover this to keep your cost down. Also consider if you need the Canada or Mexico coverage brokers will throw in. Just my 2 cents worth.
This is exactly what I was going to post. By taking a higher deductible, you can literally save thousands each year. I chose to take a 5K deductible, but got 0 deductible glass coverage and my premium was pretty reasonable. I'm really just trying to protect against major damage or a total loss.
__________________
Jeff & Tracie (Stella & Hoonah - the rescue mutts)
2018 Mountain Aire 4531
2013 Jeep Wrangler Sport
Jtrving is offline   Reply With Quote
Old 03-03-2021, 02:11 PM   #4
Senior Member
 
lrwinddancer's Avatar


 
Join Date: Sep 2020
Location: Athens, AL
Posts: 119
Quote:
Originally Posted by Jtrving View Post
This is exactly what I was going to post. By taking a higher deductible, you can literally save thousands each year. I chose to take a 5K deductible, but got 0 deductible glass coverage and my premium was pretty reasonable. I'm really just trying to protect against major damage or a total loss.
I did not realize I could do a 0 Deductible glass coverage. That was the one area I figured I would have to deal with someday.
__________________
Lynn
Athens, AL 35611
2020, Dutch Star 4081, 2020 Forest River FR3 34DS
lrwinddancer is offline   Reply With Quote
Old 03-03-2021, 03:47 PM   #5
Senior Member
 
Join Date: Feb 2017
Location: Somewhere New!
Posts: 146
Check out "The Hartford". I bundled my two autos, home and new 2020 Dutch Star and got outstanding coverage and rates.

The other consideration is that only a few insurance companies cover full timers, which I'm not, and that'll limit your options.
Tilzbow is offline   Reply With Quote
Old 03-03-2021, 04:41 PM   #6
Senior Member
 
Join Date: Aug 2013
Location: Canton, MI
Posts: 918
Quote:
Originally Posted by wpirk75 View Post
Hello,

We live in AL and are in the process of purchasing a 2016 DS 4369 and are kind of stuck in choosing insurance. I know there are quite a few factors that play a part in a yearly rate but the broker and several others have said it sounds high. I've looked on Progressive- $4725/year, Good Sam(National General)- 4729/yr so far. We are completely new to motorhomes and have only had TT's in the past. We will be doing short trips to learn and get comfortable before going out full time in August. Can anyone tell me if these rates are way out of the ballpark or are they reasonable? They were pretty much equal numbers on coverage. Thanks so much for any advice!

Wendy


I also have a 2016 4369 Dutch Star. Safeco insurance $1000. deductible $2200 annually.
__________________
Tigerfan1

2016 DSDP 4369, Freightliner Chassis, AF One brake system, 2016 Chevy Equinox
Tigerfan1 is offline   Reply With Quote
Old 03-03-2021, 07:03 PM   #7
ptw
Senior Member
 
ptw's Avatar
 
Newmar Owners Club
Freightliner Owners Club
Join Date: Apr 2016
Posts: 1,282
Quote:
Originally Posted by lrwinddancer View Post
I did not realize I could do a 0 Deductible glass coverage. That was the one area I figured I would have to deal with someday.
Not all states are the same. Everyone has full glass coverage in Florida. We couldn't get it in Ohio with State Farm. Our glass is covered under comprehensive. We have $1000 deductible. It would cost us about $250 more a year for $0 deductible on comp.
__________________
Paul, Christy and Leap
2017 Dutch Star 4018, 2021 Jeep Wrangler
ptw is offline   Reply With Quote
Old 03-03-2021, 09:12 PM   #8
Junior Member
 
Newmar Owners Club
RV Trip Wizard
Join Date: Feb 2021
Location: Talladega, AL
Posts: 6
Aw, thanks everyone that completely makes sense and I will also check out Hartford. I did keep what she recommended which was a 500 deductible. I definitely did bump our personal effects up but she said that actually wouldn't be that big of a jump. I really appreciate this and thank yall for your time in responding!
wpirk75 is offline   Reply With Quote
Old 03-04-2021, 11:41 AM   #9
Senior Member
 
Rev. Roy's Avatar
 
Join Date: Mar 2017
Posts: 384
I recommend you make sure that any quote you get is "full time" insurance that covers content and emergency housing if needed. Not all agents are honest. I have heard of people's insurance declared invalid because they hadn't full time insurance.
Rev. Roy is offline   Reply With Quote
Old 03-04-2021, 01:53 PM   #10
Senior Member
 
Join Date: Feb 2015
Posts: 1,852
Iím a full timer, registered in So Dakota. State Farm and Hartford would not do full time coverage. I went with Geico, $1,000 deductible for $1,200 every 6 months ($2,400 annual), with 250,000/500,000 comp and collision, $40,000 contents coverage and road side assistance.
__________________
2015 Itasca Ellipse 42QD
2017 Jeep Wrangler Rubicon Hard Rock
2011 Harley Davidson CVO Street Glide
TXTiger is offline   Reply With Quote
Old 03-05-2021, 05:40 AM   #11
Senior Member


 
Join Date: Oct 2016
Location: Rendon, Texas
Posts: 1,092
We have coverage through FMCA and it is very reasonable.
__________________
May your smiles be many and the miles be plenty.

Karen & Allen Van Zandt
txcpl is online now   Reply With Quote
Old 03-05-2021, 11:20 AM   #12
Senior Member
 
Rev. Roy's Avatar
 
Join Date: Mar 2017
Posts: 384
Quote:
Originally Posted by TXTiger View Post
Iím a full timer, registered in So Dakota. State Farm and Hartford would not do full time coverage. I went with Geico, $1,000 deductible for $1,200 every 6 months ($2,400 annual), with 250,000/500,000 comp and collision, $40,000 contents coverage and road side assistance.
You could check Geico but insurance rates are based upon where your home (domicile) state is. The OP is in Alabama which could make a big difference. This is one of the reason why so many full timers select South Dakota for their domicile state. They have one of the lowest insurance rates in the US.
Rev. Roy is offline   Reply With Quote
Old 03-05-2021, 11:41 AM   #13
Senior Member
 
BillJinOR's Avatar
 
Monaco Owners Club
Join Date: Jul 2012
Posts: 2,464
Hartford has full time use but not full timer insurance . there is a difference. full time means you can use the coach anytime with no "winter Layup" many policies have that in the fine print. full timer includes the home liabilities you don't have with no S&B
When we bought a casita property last year and weren't 'full time' anymore, I tried to go back to them . Hartford told me they wouldn't insure a coach with over I believe 400,000 ? new msrp price. My 03 was over that on their charts when new. ( actually true ) So even though it is 17 years old and no longer even 20% of that, they said sorry nope Even though they had insured it in the past. Go figure ... YMMV
__________________
2003 Beaver Marquis
2002 Ford Escape toad
2016 CargoMate Trailer
BillJinOR is online now   Reply With Quote
Old 03-05-2021, 01:08 PM   #14
Senior Member
 
sgwyble's Avatar
 
Newmar Owners Club
Join Date: Dec 2017
Location: Rochester, NY
Posts: 327
The newmar Kountry club site has a link for FCIS. An independent agent. I have a 20 VTDP 4362 insured for $2.500 through Safeco. This is also NY rates that tend to run high
__________________
Steve, Joanne and Tyler (rescued Australian Cattle Dog)
2018 Canyon Star 3901, 2020 Ventana 4362, Grand Cherokee, TST TPMS, RVI3
sgwyble is offline   Reply With Quote
Reply

Tags
insurance



Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Best Insurance / Cheap Insurance vogey Class A Motorhome Discussions 8 07-25-2019 12:00 PM
Insurance shout-out for Overland Insurance OWV MH-General Discussions & Problems 5 07-26-2018 09:52 AM
Health insurance supplement insurance jacks647 iRV2.com General Discussion 29 04-16-2014 05:18 PM
Health Insurance - Texas High Risk Insurance Pool - How to choose an area mrschwarz Full-Timers 0 07-27-2011 04:48 AM


All times are GMT -6. The time now is 01:02 PM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2021, vBulletin Solutions, Inc.