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Old 08-26-2019, 11:49 PM   #1
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Thoughts on Motor Home Insurance?

What's your opinion on the best insurance for your class A?

Good Sam?

AAA?

Progressive?

What company do you insure through and are you satisfied with them?
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Old 08-26-2019, 11:50 PM   #2
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Old 08-26-2019, 11:52 PM   #3
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Progressive full time insurance
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Old 08-27-2019, 06:52 AM   #4
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Allstate, I carry liability only. no problems. We turn the issuance off when its in storage and turn it on (maybe 4 month out of the year) when we use it.
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Old 08-27-2019, 08:44 AM   #5
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Allstate, I carry liability only. no problems. We turn the issuance off when its in storage and turn it on (maybe 4 month out of the year) when we use it.

What do you say when you want to turn it off? My agent seems clueless when I talk about itor ask how it works.
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Old 08-27-2019, 09:17 AM   #6
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What do you say when you want to turn it off? My agent seems clueless when I talk about itor ask how it works.
I call my broker and tell him its in storage and I want to turn off the insurance.

A week or so later, I get a refund check for the duration of the policy.

When I turn it back on, I get a bill for the next duration (one year)

Last year they implemented a 30 day policy. The minimum coverage period is 30 days. i.e. I can't call them two weeks after turning it on, to turn it off.
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Old 08-27-2019, 03:39 PM   #7
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Thoughts on Motor Home Insurance?

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Originally Posted by jbwilli1 View Post
What do you say when you want to turn it off? My agent seems clueless when I talk about itor ask how it works.


You cancel insurance to save a few bucks and the storage place burns down and your out is how it could work. If itís worth nothing a good idea.
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Old 08-27-2019, 04:26 PM   #8
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You cancel insurance to save a few bucks and the storage place burns down and your out is how it could work. If itís worth nothing a good idea.
That's how it would work anyway because he said he carries liability only when he does have insurance.

I have had progressive for all my travel trailers and now my moho. I've had 1 claim for damage while driving. Progressive paid to total the unit and let me keep it. Was quick and painless. So a win win for me.

Have had no other claims with other agencies so cant speak to their worth.

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Old 08-27-2019, 05:59 PM   #9
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I have NG through GS - full coverage and have never had to use it. If I know I'm not going to use it for a month I put it in storage which doesn't shut off my insurance; rather it just suspends my driving insurance but it is covered for damage. Call and turn it back on but must be for at least 30 days. They send me a refund check for what is not used and when I call to take it out of storage they send me a bill for the coverage. NG also has a 72 hour maintenance coverage while in storage. I just call and tell them I need to take DP out of storage of Maintenance and I'm covered.
NG covers my DP and everything in it. IF I have an accident or my DP is vandalized I file one claim whereas when I had State Farm I had to file 2 claims, one on the RV policy and the other on my homeowner policy - what a drag!

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Old 08-29-2019, 05:47 PM   #10
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Like above, I have my insurance through Good Sam. Call them, they'll check around and get you the best deal.
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Old 08-29-2019, 08:54 PM   #11
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I currently have mine through Allstate, I had State Farm for the first year with the current coach as that is where I have my car insurance, after the first year the rates were going to go up $300 per year with no claims, so I comparison shopped and found Allstate had a comparable policy for about $300 per year less than I had been paying at State Farm. 1 claim since then for a broken windshield, paid the $250 deductible and their preferred vendor shipped the windshield to a local installer that I have used in the past. My agent says this claim will not effect my rates, as it is categorized as wind blown object damage, renewal should be coming up in a few weeks so we will see. There have been a few trivial rate increases since I switched to Allstate totaling less than $25 per year.
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Old 09-01-2019, 09:40 AM   #12
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Originally Posted by RoadTripN View Post
What's your opinion on the best insurance for your class A?

Good Sam?

AAA?

Progressive?

What company do you insure through and are you satisfied with them?
That all depends on your lifestyle. If your going to be living in it full time and traveling. We found only a few companies that would cover us. We did end up going through Good Sam with National General. They offered the best deal out of the five we found.
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Old 09-01-2019, 10:26 AM   #13
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My answer is more vague: the company that gives me the best rates for the coverages I want. In my opinion there is no one company that is best for everybody, whether "best" is defined by available packages, types of coverage available, or premium rates. Nor have I found that there is any significant difference in customer service or claims pay-offs.
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