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Old 06-22-2021, 06:10 PM   #29
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Progressive Ins rate

Yep. Same here. Got hit with a 20% increase on our 17 Aspire DEQ. Had it for 4 years in Florida. No claims either. Actual cash value only dropped the rate by about $500 so will keep the Total Replacement. But will be looking....
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Old 06-22-2021, 07:52 PM   #30
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I had an interesting item that came up when I started with Progressive. When I received my policy after enrolling through FMCA, I noticed that the agent typed the wrong birthdate and made me one year older. I called Progressive to resolve the typo and they said I was owed a refund. Looks like the increases everyone are commenting on come from more than newbies learning how to drive a big rig. I bet you see an increase every year due to age.
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Old 06-22-2021, 08:04 PM   #31
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I read about the treatment happening by Insurance companies and am saddened. We all pay dearly for these coaches and largely just want them insured reasonably. Unless I am mistaken a $500K Home would never have an annual insurance fee of approximately $3K.

In Canada our coach insurance has not changed over the past 4 years. We are insured with Aviva, is this an option for coaches in the US? BTW, AAA offered us the same rate this year, do they insure coaches in the US?
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Old 06-22-2021, 08:25 PM   #32
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Originally Posted by Georgefhou View Post
FMCA has excellent insurance for RVs.
FMCA does not offer insurance. They might have a partner who offers it, and then it depends on the state you live in, but FMCA themselves is neither an insurance company nor an agent.
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Old 06-23-2021, 04:55 AM   #33
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Quote:
Originally Posted by darjacob View Post
Just like you, I had Progressive. USAA sent me to them. They posted record profits this year and then raised my premiums. So, like you, I checked with GEICO and wow! $700 less than Progressive. The agent asked if I would like to move my autos to GEICO and I said "I have USAA and you can't beat them". Boy was I wrong. They beat USAA by $300. I have been with USAA for 35 years but I'm gone now. USAA ain't what it used to be...

USAA has been behaving more like commercial, profit-making insurance over the past several years. I've been with them since 1960 and it's time to cut the cord.
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Old 06-24-2021, 10:35 AM   #34
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Another UPDATE:
Geigo will no longer insure MH's with a MSRV of over $500,000. No matter what you paid for it. Even if the MH is over 10 years old, if it has a MSRP of over $500M they will not insure it. Has anybody run into this lately as well?
I spent 2 hours on the phone, even with the main RV insurance division and received the same answer. Maybe because I am in FL?
We ran into this when we bought our 2018 Anthem back in August 17. We went with foremost originally but after 3 years of coverage/no claims got an increase of over $3000 (over $7000/year for Jeep and MH-no traffic tickets either) so we moved to GEICO but lost full replacement coverage. Who knows what increases we will face this year.

We talk about trading for a new coach but we are unsure what companies we can find that insure over 500K in Florida...

Which ones have you found?

Steve and Daphne
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Old 06-24-2021, 02:31 PM   #35
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FINAL UPDATE, IT WORKED
My MH renewal was with FMCA/Progressive in the amount of $3,587 full replacement cost.


Going through my Independent Agent that handles my homeowner, commercial and umbrella liability, they were able to rewrite a new Progressive Policy for $2,687.00 full replacement cost, after grouping my auto and umbrella liability which were already with Progressive. My homeowners is a sub high risk company of Progressive, but does not count in combining the policies for discount. It took some work, but a $900 savings with a little higher coverage was worth it. The auto was $50 high per 6 months being written as a new policy, but a good trade off.
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Old 07-02-2021, 07:27 PM   #36
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Congratulations on your tenacity Chuck!!! Cost savings per hour invested, you scored...
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