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Old 10-10-2017, 03:13 PM   #1
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Cornerstone Insurance

It has been some time, I am checking to see what people are pay for insurance for a 2016 Cornerstone and what company, for a value of $425.000 for usage of 60 days a year.

Liability Bodily 100/300
Property damage 300
Personal Protection death 5,000 each
Emergency medical 10,000 each
Loss of service 10,000 max
Towing 1,000
uninsured Motorists Bodily 100/300 Stacked
Contents 10,000
Motorhome Medical Payments 5,000 each
New Motor Home Expanded Protection

Thank You Paul
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Old 10-10-2017, 03:21 PM   #2
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Should be about 1-1.25 % of value. That value with National General should be around 3500$ and with State Farm around 4500$. Don't quote me but I should be very close. I DO prefer State Farm over Nat General though. Much better company and service !!!!
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Old 10-10-2017, 03:39 PM   #3
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Quote:
Originally Posted by paulp2354 View Post
It has been some time, I am checking to see what people are pay for insurance
You'll need to get comparison figures from others in your state/county/zip code. Insurance costs are HIGHLY risk-pool dependent. Much more so than coverage-dependent.

You definitely can't compare across state lines since insurance is regulated at the individual state level. What someone in Colorado pays is going to be very different than what someone in Texas pays. Even within the same state, what someone in Dallas pays is going to be very different than what someone in Austin pays.

Contact an independent RV insurance agent like Ron Jarvie at Overland or someone at Miller RV Insurance to get quotes from different companies based on your specific situation.
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Old 10-10-2017, 04:05 PM   #4
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Here is a list of FL insurers I put together a few years ago. It would be a starting point to obtain quotes. http://www.irv2.com/forums/f278/curr...em-189038.html

Where stored, hurricane zone, credit score, etc. all have to do with the rate that will be quoted.
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Old 10-10-2017, 04:59 PM   #5
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This is my coverage through National Interstate. My 2017 Anthem premium is $2820. This is with total loss replacement for the first 5 years. Of course a lot depends on your driving record and the area you live in.

Addition - Awning Replacement
Addition - Bodily Injury
Limit: $1,000,000 CSL Addition - Collision
Deductible: $1,000 Addition - Comprehensive
Deductible: $1,000
Addition - Diminishing Ded. - Coll Addition - Diminishing Ded. - Comp Addition - Emergency Vacation Expense
Limit: $750
Addition - Glass
Addition - Medical Payments
Limit: $5,000
Addition - Personal Effects Addition - Total Loss Replacement Addition - UM/UIM
Limit: $1,000,000 CSL Addition - UMPD
Limit: $1,000,000 Addition - Vacation Liability
Limit: $100,000
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Old 10-11-2017, 08:11 AM   #6
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$2,039 for 2016 Cornerstone. Full replacement coverage, slightly higher liability, diminishing deductible, glass coverage. Town of 50,000 people in Wisconsin. Clean driving record, age 65. Progressive Insurance through Good Sam.
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Old 10-11-2017, 08:15 AM   #7
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You better examine what you are actually insuring for because that rate is nearly impossible. I wonder if your insurance company really understands what you have or you are getting a special “low use” rate. I have never gotten less than $1,400 quote and quotes run up to $4,000. Per year. I have insured with 3or 4 different companies.

I think I am right at $1800 after considerable shopping.

Gary
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Old 10-11-2017, 09:09 AM   #8
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Gary, you and I live in Hurricane zones. I pay double of what I paid in CO, no damage from blizzards.
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Old 10-11-2017, 09:19 AM   #9
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Varies state to state and also based upon credit rating.

FWIW, South Dakota is increasingly yearly because of the increasing number of people using SD as a "residence"/mail forwarding and thus a higher incidence (note: not per motor coach population rate, just population). And according to Progressive agent last year, California and Florida rates were lower, based upon lower incidence per motor coach population. Who knows where truth lies because there are multiple components to these quotes.

Rate quotes, for similar coverage for me last year ran from $2600-4000 for my South Dakota residence and clean driving record.
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Old 10-11-2017, 12:35 PM   #10
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Initially paid around 2800-3000 per year.
This year's is 4300, which I attribute to a fender-bender
Clean record, dinky town
High liability, High Deductible
Full replacement.

Progressive through USAA
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Old 10-14-2017, 03:04 PM   #11
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Chuck

The OP’s signature shows he’s in Florida, so unless he is in some utopian cave city in Florida, I don’t think he is in an “insurance hole”.....

Maybe he is paying by the day?



Gary
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Old 10-14-2017, 04:10 PM   #12
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Quote:
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Chuck

The OP’s signature shows he’s in Florida, so unless he is in some utopian cave city in Florida, I don’t think he is in an “insurance hole”.....

Maybe he is paying by the day?



Gary
I thought you were referring to Mark's post of $2,039 a year for a Cornerstone, as your post was right under his. Sorry about any confusion. I pay more than Mark for an Anthem in FL.
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Old 10-14-2017, 05:17 PM   #13
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I just went through the yearly insurance drill. S. Dakota residency but " could " switch to Fl. due to owning an RV Lot. If we changed residency to Fl. our % increases would have been , 10-20 % on coach, 10-20% on car and 100% on Harley. Currently all 3 are about $3700 to include an Umbrella Policy.

However as previously stated there are many factors that dictate your rate.
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Old 10-15-2017, 07:50 AM   #14
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Quote:
Originally Posted by Gary.Jones View Post
Chuck

The OP’s signature shows he’s in Florida, so unless he is in some utopian cave city in Florida, I don’t think he is in an “insurance hole”.....

Maybe he is paying by the day?



Gary
The OP is saying a coach value of $425,000, not a $425 premium.
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