Insurance Companies - FL

[Tampa Traveler]

FLORIDA Residence RV’ers – I am starting to shop for insurance for are new Class A. What is your experience what you feel are the top companies with reasonable rates and claim issues?

Thanks in advance

[FormerBoater]

GEICO is excellent.


Very reasonable rates and they send the BIG WRECKER when you need it.

[chuckftboy]

Had some really bad experiences with National General (Good Sam) when I switched to Allstate. They get really vindictive when you leave them. On a 1-10 scale for customer service, I would rate them about -4.

[ThomB]

I’m starting my second year with Progressive. The bill went up about $30 the second year with no accidents. I did have a windshield claim that they paid with no hassles. I’m in Pinellas County (St. Pete area) and this renewal will be about $840 for the year. We still maintain a home there so we’re not full timers.

[blueridge-fl]

We also have progressive and have been happy with them. This includes a $12k claim for a damaged front end while it was parked in storage.

[Gary RVRoamer]

We've lived in Florida for 40+ years. Have used Hartford, Nationwide, National Interstate, and Allstate and found all to be decent or better on claims service. Most of the complaints I see here about insurance claims are misunderstandings about what their insurance does or doesn't do. Few people bother to learn much about their insurance until an accident occurs and then it's too late to make changes.


Remember that you are insuring a house and its contents as well as a vehicle. And if you do not have a homeowner or renter policy already, you may also want some liability coverage that stays in effect when the RV is parked (vehicle liability is only for damage caused by the moving vehicle).





Rates, however, are so highly individualized that no general comparison can be made. You will have to figure out what coverage & deductibles are right for your situation and then solicit quotes from several insurers. It's easy enough to do online in many cases. An independent RV-specialist agency such as Miller's RV Insurance can also help, but I'd still get a couple quotes on my own.


Many here find good rates with Progressive, yet they have consistently been 50% higher than some others whenever I got a quote from them. I shop for new quotes every 3 years or so, so I've tried them multiple times. Clearly something in my profile places me in one of their higher rate categories, but you may fit in their lowest one. You have to get a quote to see.

[Tampa Traveler]

I had my previous coach with GEICO and very pleased . . . they are extremely lower in price than Progressive.

[Teamfoxy]

We have progressive full timers. What you pay will depend on where in the state you keep the coach, it's value, the coverage you choose, and your driving/claims record. We have never had a quote from anyone else that was lower for comparable coverage.

[YC1]

Been very happy with Progressive. Wife was involved as a passenger in another persons car and they really reached out to help.

[ltmoeller]

Geico

[marjoa]

Originally Posted by ltmoeller

Geico

Oh wow thanks for that in depth answer.

god I just hate these short kind of answers. sorry. But some kinda of details PLEASE. I know it takes a couple of minutes of your valuable time to type a few details...like is this FTers insurance, or do you use your RV twice a year, where do you live, type of RV you have, do you tow a vehicle.

Give us some meat here.

I mean please just the answer "Geico" doesn't mean anything here.

But it's been awhile since you've posted so a little grace to ya.............I guess.

[Tampa Traveler]

If I am giving the same info to different insurance companies - apples to apples - and one is extremely higher than others why would I go with, in my case, Progressive?

[ThomB]

Originally Posted by Tampa Traveler

If I am giving the same info to different insurance companies - apples to apples - and one is extremely higher than others why would I go with, in my case, Progressive?

If they are the higher cost insurer, I wouldn't go with Progressive. To me apples-to-apples makes the cheaper company the one to choose. Did you contact an independent agent or progressive directly? I got different prices from each if that's any matter to you.
I think I might do a bit more research by company name here in the forum to compare the good reviews with the bad after narrowing down the selections.

One benefit for going to Progressive is if they offered the vanishing deductible. If it's a case where you get 2 like quotes and one has it and one doesn't that's a benefit. I'd still refer to how others claims have gone to decide if it's enough benefit to go with them over another company.

As I've only had to use them for a windshield claim, I can only speak of that piece and to be honest they have a national account with a 3rd party supplier (Duncan Services) that handled everything including locating glass and shipping to an installer that they located for me. I just had to make arrangements for the day they were there to install it. To me that was a smooth process with little to no trouble. Being it's Florida any insurer has to cover windsheild claims at 100% and, in our case, as a non-chargable claim.


While I'm happy with Progressive's price if the cost would have jumped significantly I would start looking for a new insurer. When we first bought the RV we went with State Farm as they've been my insurer since I was 18 and I have about 10 different policies with them. The thing that turned me off on them was that there was no discount for the RV based on the existing relationship and I didn't want to find out that those premiums would change by any claims I might have had with the RV.

[travelwarm]

We have been with Geico. two claims (windshield RV and Toad last summer) and parked dambae $11,000.00 damage. Excellent service. Rate is good.