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12-02-2024, 12:57 PM
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#1
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Member
Join Date: Sep 2009
Location: Right Here
Posts: 50
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Current RV Insurance - Good Company and good price
I got my yearly quote from State Farm at $1000.
I check good Sam and it was $250
My RV is 20 years old, Mandalay 40 feet diesel pusher.
How much are you guys paying and have you had to use them ?
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12-02-2024, 02:14 PM
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#2
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Senior Member
Monaco Owners Club
Join Date: Jun 2014
Posts: 16,011
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I bundle my RV insurance with my house & auto.
I pay $196 for agreed value of $59K. This is limited to 6 month of usage with is fine with me.
Prior to bundling my RV insurance in 2020 with Grange was $816, agreed value at the time was ~$125K that had been in place since I bought the coach in 2008. After moving to another insurance company they questioned the value so we went back and forth and came up with the $59K.
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Jim J
2002 Monaco Windsor 38 PKD Cummins ISC 350 8.3L
2005 Jeep Grand Cherokee w/5.7 Hemi
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12-02-2024, 03:25 PM
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#3
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Senior Member
Fleetwood Owners Club Workhorse Chassis Owner
Join Date: Jun 2016
Location: On the continental divide
Posts: 3,277
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IF the coverages are the same or close, jump on the Good Sam.
You could try progressive thru AARP, but $250.00/ year seems quite good.
Mike in Colorado
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2004 Fleetwood Pace Arrow 37c, 8.1 gasser, (Jezebel) Ultra RV ECM / TCM, plugs wires, and rear track bar, PPE deep Tx pan w/ temp gage, Bilstein's, Sailun's & Sumo's all round, pushed by a 2002 Grand Caravan, on a Master Tow Dolly OR a WR-250 on a rail.
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12-02-2024, 10:04 PM
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#4
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Senior Member
Join Date: Jan 2009
Posts: 5,965
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Quote:
Originally Posted by Flyer15015
IF the coverages are the same or close, jump on the Good Sam.
You could try progressive thru AARP, but $250.00/ year seems quite good.
Mike in Colorado
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The annual premium for my 03 Itasca is $301 a year here in Texas. That's comp, collision, liability, and roadside assistance/towing. Only thing is, it'll only pay acv which I have a feeling wouldn't be much if ours ever got totalled.
Being only $250, the OP better read the policy closely to make sure it has the coverages and numbers he's wanting.
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03 Itasca Sunova, Workhorse P32 with the 8.1 and 4L85-E
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12-03-2024, 11:50 AM
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#5
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Junior Member
Join Date: Aug 2022
Location: FMCA #8200G
Posts: 6
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dang, I'm paying 1600 a year from progressive. 70,000 agreed value but said I have to keep recipes to justify,(and i always do) and I also carry 25,000 in towables for trailers or toad on the same policy. but seems like a lot compared to what I see here. i thought it was a good deal, but maybe I need to check around again. I been with progressive for 5 years now, has gone up a few hundred over the years. Before that it was USAA.
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12-03-2024, 01:01 PM
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#6
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Member
Tiffin Owners Club
Join Date: Mar 2021
Location: Ocala Florida
Posts: 89
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Insurance
We changed from State Farm to Allstate back in April ,and went with a local Allstate Broker.
The annual for our 2013 Tiffin is $565.00. National General wrote the policy and they are an Allstate company.
They offered a break since we have it in storage in our shop at home. They call it Garaging or something to that effect,so if we need to drive it we call and let them know . This works well for maintenance / service ,or just running the coach for an hour or whatever since they activate full coverage for a 24hr period that starts when you call, free of charge.
Otherwise if doing a trip you call and let them know the time frame they bill you for that period which is by the month.
I believe we valued the coach at $120K, no roadside or towing.
Haven't had to file a claim so can't comment on that.
Good Luck,
Happy Trails !
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1986 Itasca Sun Cruiser ( sold )
1991 Southwind ( sold )
2013 Tiffin Allegro Red 38QRA,2019 GMC Canyon Toad
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12-04-2024, 04:05 PM
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#7
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Senior Member
Join Date: Mar 2019
Posts: 2,425
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You really need to see what is included in the policy.
I have everything except my RV with State Farm. Not only were they higher than National General, but they did not include things like trip interruption, decent windshield deductibles, reasonable contents coverage, ...
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12-05-2024, 10:02 AM
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#8
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Member
Join Date: Sep 2009
Location: Right Here
Posts: 50
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All good info, I emailed my agent and asked him what they valued my 20 year old RV at for replacement coverage and he had it at $215 K
I didn't even pay that when I bought it
So I asked him to value it at $100K, which is till to high and give me a new number
Waiting on the new number.
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12-05-2024, 07:12 PM
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#9
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Senior Member
Join Date: Aug 2001
Location: North America somewhere
Posts: 32,187
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Quote:
Originally Posted by jcather
All good info, I emailed my agent and asked him what they valued my 20 year old RV at for replacement coverage and he had it at $215 K
I didn't even pay that when I bought it
So I asked him to value it at $100K, which is till to high and give me a new number
Waiting on the new number.
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Insurance companies pay ACV or agreed value, whichever is less.
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2000 Winnebago Ultimate Freedom USQ40JD , ISC 8.3 Cummins 350, Spartan MM Chassis. USA IN 1SG 11B5MX,Infantry retired;GS Life member,FMCA " My fellow Americans, ask not what your country can do for you, ask what you can do for your country. John F. Kennedy
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12-05-2024, 11:53 PM
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#10
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Senior Member
Join Date: Jan 2009
Posts: 5,965
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Quote:
Originally Posted by jcather
All good info, I emailed my agent and asked him what they valued my 20 year old RV at for replacement coverage and he had it at $215 K
I didn't even pay that when I bought it
So I asked him to value it at $100K, which is till to high and give me a new number
Waiting on the new number.
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I know numbers are all over the board but I don't see any way in the world that amount coverage could be had for $250 a year. Hope it works out but I have a feeling you or your insurance guy is missing something.
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03 Itasca Sunova, Workhorse P32 with the 8.1 and 4L85-E
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12-06-2024, 06:43 AM
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#11
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Junior Member
Join Date: Aug 2022
Location: FMCA #8200G
Posts: 6
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Quote:
Originally Posted by jcather
All good info, I emailed my agent and asked him what they valued my 20 year old RV at for replacement coverage and he had it at $215 K
I didn't even pay that when I bought it
So I asked him to value it at $100K, which is till to high and give me a new number
Waiting on the new number.
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Are you sure he did not say 21,000.00......LOL .. Seriously though, May I ask what insurance company and what type of coach you have? When I went with progressive from USAA I had a hard time getting them to even do an agreed value at 70,000, they had the coach valued at 35,000 and I told them it was impossible to replace what I had for less than 70, so i had to agree to keep all my receipts to justify the value and is till think they would try and weasel out of a payout like they all do.
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12-06-2024, 07:25 AM
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#12
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Senior Member
Join Date: Feb 2013
Posts: 573
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On my last two policies ACV not to exceed stated amount. I would read the policy carefully on the stated amount clause as my agent always says the police will pay UP TO the stated amount.
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2002 Beaver Marquis Emerald C-12 Cat 505 HP towing 2004 Honda CR V with 300K on clock
2014 Volvo 630 Heren Bed ET Hitch SOLD
2017 New Horizons Majestic 35 foot SOLD
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12-12-2024, 09:01 AM
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#13
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Senior Member
Join Date: Oct 2024
Posts: 287
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Stay away from SafeCo, a subsidiary of Liberty National. We're suing over a blatant breach of contract/claim denial.
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12-12-2024, 12:57 PM
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#14
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Moderator Emeritus
Join Date: Jan 2000
Location: West Palm Beach, FL. USA
Posts: 28,481
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The term "agreed value" is being conflated with "stated value". "Stated value" is the maximum amount an ACV policy will pay, whereas "agreed value" is a guaranteed payoff amount regardless of the current market value. I.e., the insurer has agreed to pay that valuation. Usually the agreed value is the owners original purchase price, but it doesn't have to be.
__________________
Gary Brinck
Former owner of 2004 American Tradition and several other RVs
Home is now West Palm Beach, FL
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