Community Forums

WulfHaslett · 04-05-2018, 07:12 AM

Any suggestions on a good full coverage insurance company for a Class A Motorhome ? We are getting quotes, but I would like feed back on what other people have.

Fordfixer1 · 04-05-2018, 07:53 AM

We did the same pains taking process that you are going through. Ended up getting insurance thru the same agent we have our home and cars with. Turned out to be the most affordable. Try them if you haven't done so already. We are insured with Farm Bureau.
Good luck and happy travels!

wildtoad · 04-05-2018, 07:56 AM

While some have had issues, many, including me, use Progressive. Decently priced, good customer service, provides road side service coverage for next to nothing.

REDEYE50 · 04-05-2018, 08:42 AM

Quote:

Originally Posted by WulfHaslett

Any suggestions on a good full coverage insurance company for a Class A Motorhome ? We are getting quotes, but I would like feed back on what other people have.

we got our insurance thru Shelter Ins. We had a claim 1 month after we insured with them. Roof blew off going down the road! Paid $6800 for new roof no questions Great

G.G. · 04-05-2018, 08:42 AM

We have Hartford and have had a claim to the tune of over 2K. They were great to work with. I did an insurance check up last fall, and they were still the cheapest for us.
Yours will vary as there are lots of variables that determine your rate.

ThePowells · 04-05-2018, 07:16 PM

Here is the link to over 700 previous threads on this question. I think with it you can have a much broader range of answers in a shorter amount of time along with variables and concerns.

https://www.google.com/search?q=%22r...=12&gws_rd=ssl

We started with Farm Bureau simply because we were established with them and had coverage in 10 minutes. When actually getting quotes, we ended up with Progressive for mucho broader coverage for about 45% of the cost. Get your quotes through an independent agent and whoever you have cars / home with to look at discounts.

Wayne M · 04-05-2018, 10:24 PM

We have had Progressive for 11 years. In 2014 they paid out $19,000 for hail damage to the roof. I paid my deductible.

In 2017 our 2008 Winni was totaled during "Harvy." The policy states that if totaled in the first 5 years they wlll give you replacement value, that is: for a 2008 totaled in 2011 for example they will replace the MH with a 2011 from the same dealer.

After 5 years they give you what you paid for it.

When I purchased our "new to us" 2015 I stayed with progressive. As second owner I get what I paid for it should it be totaled.

We are happy campers with Progressive.

JFXG · 04-06-2018, 08:35 AM

Wulf, .... you didn’t say how you will use the motorhome. Just be aware— for periodic use as a camper or vacation home, the same regular insurer who covers your cars and homeowner policy will likely do just fine. But if you intend to live in the MH full time the proper coverage changes. Be sure to specify that this will be your sole residence.

WinnieView · 04-06-2018, 10:28 AM

Quote:

Originally Posted by JFXG

Wulf, .... you didn’t say how you will use the motorhome. Just be aware— for periodic use as a camper or vacation home, the same regular insurer who covers your cars and homeowner policy will likely do just fine. But if you intend to live in the MH full time the proper coverage changes. Be sure to specify that this will be your sole residence.

Same for us this year too. We switched from Progressive who tacked on an unexpected 20% so we bundled with our home and auto carrier for the best rate.

CA Harts · 04-06-2018, 04:18 PM

We have had Progressive for 11 years. Had 2 claims from damage by others. One claim was from 5th wheel pulling into RV spot and his left rear went into our right front. I figured it was going to be a hassle. I had pictures I sent them and they handed it all. They stayed in touch with via email and when we got home had it repaired. Worked great. Whoever you choose I Home you never need to use it.

bowhunter72 · 04-06-2018, 11:23 PM

Just switched to Geico, bundles with all my other vehicles. Right now i care Storage insurance on it, but when it is time to roll i will up to full and they have good roadside assistance. While in storage mode, i have liability and comprehensive.

WulfHaslett · 04-07-2018, 07:20 AM

Thanks for all the tips on different insurances. Our car insurance company was way too high for the RV. We will probably go with National General. We had them with our Canyon Star. They cover so much more than most companies. That's actually their specialty, RV insurance. No, we won't be full timers, but we do want good coverage. National General gives you back money when you aren't using your RV for a month or so. We got back money twice with our Canyon Star. I think we will be using our Ventana a lot more.

MSHappyCampers · 05-10-2019, 04:25 PM

We have been using Safeco through a local independent insurance agency for the last three years. I have shopped all the national companies but they are always higher.