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04-17-2015, 12:13 PM
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#1
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Senior Member
National RV Owners Club
Join Date: Oct 2014
Posts: 520
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Motor Home Insurance
Been trying to follow advice about who to look at for Insurance, have a renewal in a few weeks:
Progressive through USAA: $2495 (Have had great experience)
Good Sam (National General Insurance): $2304 (Many OPs state good)
Hartford Insurance: $1403 (Some OPs state good) (Huge difference in price)
Price is not the only consideration, so my question is my quotes are for full replacement value, $250,000 / $500,000 bodily injury & uninsured ect... there are some minor differences with accident forgiveness, vanishing deductibles and the like. I have never had any experience or have I ever known anybody that can tell me about Hartford Insurance. What an insurance company does when there is an emergency is the golden nugget.
Comments and advice welcome.
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Terry & Kathy
2012 Dutch Star DP 4346
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04-17-2015, 12:50 PM
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#2
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Community Moderator
Newmar Owners Club
Join Date: Feb 2011
Location: Point Pleasant Beach, NJ
Posts: 31,553
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Glad to have you here with us.
Youo might also want to look at National Interstate. I have been with them for 6 yrs, had 2 claims, and received a total of $85 rate increase in that time period. Customer service is fast and courteous. Plus they gave me CoachNet roadside assistance in the premium.
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Tony & Ruth........... FMCA#F416727
2016 London Aire 4519, Freightliner chassis, Cummins ISX, 2018 Jeep Wrangler Unlimited, Blue Ox Avail with AF1. TST 507 TPMS
No amount of money can buy you an extra second of time.
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04-17-2015, 01:57 PM
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#3
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Senior Member
Newmar Owners Club
Join Date: Jul 2006
Location: Wellington, Florida
Posts: 13,599
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Hi Sidewinder4,
Consider double checking the Hartford rate. The rate looks like an ACV replacement value. Also consider Farm & City Insurance. They are a broker and specialize in many companies for motor coach insurance. They are at FCIS Insurance - Iowa Life, Auto, RV and Pet Insurance Company
__________________
Gary
2005 Newmar KSDP 3910 + GMC ENVOY XUV 37K lbs Moving Down The Road
The Avatar Is Many Times Around The USA
Nobody Knows Your Coach Like Somebody Who Owns One Just Like Yours
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04-17-2015, 03:02 PM
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#5
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Senior Member
Workhorse Chassis Owner
Join Date: Nov 2006
Location: Fleming Island, Fl
Posts: 820
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I have no experience with Hartford but you might want to check with Nationwide. They gave me a really good rate when I first signed on with them but I have had sizable increases the last few years. I've been happy with them except for the rate increases but I think they might still be cheaper than the competition. If I get a big increase in July I may be shopping too. National Interstate might be in the Nationwide family because I also the Coachnet coverage as part of my insurance.
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Bob & Leah, USN Retired
2016 Itasca Suncruiser 38Q/SOLD
2014 Chevy Equinox LTZ/Blue Ox Tow Bar
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04-17-2015, 04:13 PM
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#6
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Senior Member
Join Date: Nov 2013
Posts: 5,780
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I am limited in which companies provide RV insurance in my state. I currently have Progressive but just switched to National General through Good Sam. My reasons were they were slightly lower cost but more importantly you can turn it on and off during storage/non-use. This will save me even more.
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2015 Tiffin Phaeton 40QBH
2018 Chevrolet Colorado Toad
Roadmaster Tow Setup
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04-17-2015, 04:19 PM
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#7
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Senior Member
Join Date: Aug 2012
Location: Flower Mound, TX
Posts: 134
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I am with Geico. I had one major claim ($20,000) No rate increase and they handled the claim extremely smoothly. I can't say enough good things about them.
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Jim, Becky and our Four Legged Friend "Jackson"
2006 DSDP/2007 Chevy Tahoe
FMCA:F428672
[SIGPIC][/SIGPIC]
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04-17-2015, 08:27 PM
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#8
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Senior Member
Newmar Owners Club Freightliner Owners Club
Join Date: Sep 2012
Location: Miramar Beach, Florida
Posts: 865
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X2 with TonyDi. We went with National Interstate as well for year one. Just finished renewal, no increase. The majority of what they do are motor homes.
Sent from my iPad using iRV2 - RV Forum
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Ken & Diane
2014 Newmar Ventana 4369 All Electric 400HP
2023 Jeep Grand Cherokee Overland
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04-17-2015, 08:44 PM
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#9
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Senior Member
Tiffin Owners Club
Join Date: Jan 2015
Location: Indiana
Posts: 151
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We have Geico, Have 4 cars & RV with them, competition can't beat them. Haven't had claim but happy with rate and hasn't been increased. Been with them 5 yrs.
cyn
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Ken & Cyn
2010 Tiffin Phaeton 36QSH DP
2012 Jeep Liberty
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04-17-2015, 08:55 PM
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#10
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Registered User
Winnebago Owners Club Ford Super Duty Owner
Join Date: Apr 2015
Location: Jamestown, NM
Posts: 1,262
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While I was at my RV dealer to pick up my motorhome. I contacted Progressive for coverage. They told me the montly premium would be about $17. Then I asked, "How much is the total premium for a full year's coverage?" They said it was $487.
I almost fell out of my seat. Then I said, "Oh, heck! I'll just pay the whole year's premium now so I don't have to bother with it."
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04-18-2015, 05:07 AM
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#11
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Senior Member
Newmar Owners Club
Join Date: Dec 2002
Location: Pasadena, Md.
Posts: 1,117
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We are with Erie...... Had a large claim on the MH for over 35K. Fleetwood shop manager stated that they were the Best Insurance that he had ever worked with in his 25 years in the shop, Actually our insurance premium has gone down.
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CC..... Happy Rving!!
2013 Newmar - Canyon Star 3940
2021 Ford Edge ST
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04-20-2015, 06:44 AM
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#12
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Senior Member
National RV Owners Club
Join Date: Oct 2014
Posts: 520
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Great Comments:
My only issue is I got better rates than mentioned above initially; however when Iasked for replacement cost, is when the rates went up significantly as shownfrom original OP. Most rates were not quoted with windshield replacement either. Many inexpensive rates did not have reasonable coverage, thatis to say, reasonably protect you as an RV'er in the court of law against civilliabilities.
__________________
Terry & Kathy
2012 Dutch Star DP 4346
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04-20-2015, 07:02 AM
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#13
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Senior Member
Newmar Owners Club
Join Date: Dec 2002
Location: Pasadena, Md.
Posts: 1,117
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Quote:
Originally Posted by Sidewinder4
Great Comments:
My only issue is I got better rates than mentioned above initially; however when Iasked for replacement cost, is when the rates went up significantly as shownfrom original OP. Most rates were not quoted with windshield replacement either. Many inexpensive rates did not have reasonable coverage, thatis to say, reasonably protect you as an RV'er in the court of law against civilliabilities.
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Mine covers $1 million coverage with umbrella insurance, covers windshield, does not cover replacement. Only GS insurance covered replacement, with less Liability Coverage and a lot more money.
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CC..... Happy Rving!!
2013 Newmar - Canyon Star 3940
2021 Ford Edge ST
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04-20-2015, 06:13 PM
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#14
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Senior Member
Join Date: Oct 2013
Location: Lighthouse Point, FL & Blairsville, GA
Posts: 396
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When I researched insurance last year for my new coach, I received quotes from most of the companies recommended by others here. I ended up choosing a company that has not been mentioned yet. Blue Sky RV Insurance also specializes in motor home insurance, like several others already mentioned. I chose a policy with a 5-year guaranteed replacement cost and high comprehensive coverage with a reasonable deductible. At the time, Blue Sky was more competitive than the others when comparing similar coverages.
Jigs
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Jigs - FMCA #F436227
2015 Newmar Mountain Aire 4553, HWH Active Air
2012 Jeep Wrangler Rubicon - COD MW3
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