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Old 10-30-2018, 09:51 AM   #1
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Florida Insurance

I just got my renewal in sticker shock, looking to see how this stacks up in Florida with other owners with like same information.

2016 Cornerstone
Value $435,000

I am a 62 years old Male, with a great driving record, only drive this about 12,000 miles a years for about 25 days a year

Coverage Allstate

Liability
Bodily 100,00 each 300,000 per occurrence
Property Damage 300,000 per occurrence

Personal Injury
Death 5,000 each
Aggregate Medical 10,000 each

Medical Expenses
Emergency Medical 10,000
or non Emergency 2,500 each

Collision 435,000 1,000 ded
Comprehensive 435,000 1,000 ded

Towing 250,00
Uninsured Motorists Bodily 100,00 each 300,000
Uninsured Motorists Insurance limits of insured vehicles may be stacked

Contents 10,000
Motor Home Medical Payment 5,000 each

For $3,300.00 per year

Thank You Paul
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Old 10-30-2018, 10:04 AM   #2
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Your Cornerstone is not worth $425,000 so there is no point in carrying that much coverage as the insurer will not pay more than actual value. See advertised asking prices here.

Insurance prices vary widely depending on factors such as the "home" address, driver's record, claims history and others. An RV based in one town in Florida will often be charged differently that one based in another Florida city. Therefore, exact comparisons with somebody else's insurance are impossible. The best you can do is get several quotes from several companies, based on your facts and circumstances.
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Old 10-30-2018, 10:09 AM   #3
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Thank you Marc, We have a Guaranteed replacement value of $435,000 if totalled
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Old 10-30-2018, 10:14 AM   #4
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We have our address in Green Cove Springs, Florida and insurance on our 2015 Allegro Bus 45LP is in line with what your quote is.


Not fun, but necessary.


-
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Old 10-30-2018, 10:17 AM   #5
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Understood. The Guaranteed Replacement Cost feature of your policy increases the insurance cost. I don't know by how much, but your insurance would be cheaper without it. Personally, I opted to drop that feature in return for a premium savings of roughly $500 per year. Since my coach is now nearing 6 years old and I have had no claims, my gamble paid off.
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Old 10-30-2018, 10:28 AM   #6
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Also living in FL, also having full replacement cost on a 2019 CS, shopped and called for a week to every major carrier. After the number of recent hurricanes, my CS rate was $3,200. Good Sam's no longer does full replacement along with several others that use to. Progressive was the best price in my zip code, which is still recovering from Hurricane Irma.
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Old 10-30-2018, 10:32 AM   #7
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Mine went from ~ $2,100 to ~$2900 this year. I moved from a 2015 Anthem to a 2019 Cornerstone, but my impression is that many owner's rates went up markedly this year due to very high hurricane and weather costs all across the country.

And Marc is right.... you are paying extra for that guaranteed replacement cost rider.... its nice, but that is not regular basic coverage. I have full replacement coverage in case of a total loss, and know that is costing me extra money but I like the safety it provides and am willing to pay for it.

Gary
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Old 10-30-2018, 03:30 PM   #8
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Thank You to all that answered so far
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Old 10-30-2018, 06:31 PM   #9
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I pay about 100 bucks a month thru State Farm for full coverage which is nowhere near your quote.. maybe itís my state I live in... itís great coverage too..I do have a lot of other things also with State Farm so maybe thatís the difference...
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Old 10-30-2018, 08:36 PM   #10
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2015 Cornerstone, live in Florida, ours is about the same. They replaced the windshield this year, which is about what the premium was. All good. Mike
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Old 10-30-2018, 09:22 PM   #11
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Quote:
Originally Posted by lowejug View Post
I pay about 100 bucks a month thru State Farm for full coverage which is nowhere near your quote.. maybe itís my state I live in... itís great coverage too..I do have a lot of other things also with State Farm so maybe thatís the difference...
Dirty word in this area. After over 40 years with State Farm with as many as 27 policies at one time, one hurricane and they completely pulled out of this area. They even put my agent out of business. The company that is not there when you need them in FL.
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Old 10-30-2018, 09:55 PM   #12
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I actually bought insurance through Lazydays who represents Progressive. $2,189 for my 2016 Aspire
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Old 10-31-2018, 06:02 AM   #13
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Thank you Again to all will check Progressive Paul
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Old 10-31-2018, 06:38 AM   #14
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Thank you Again to all will check Progressive Paul
There was a small, very small discount going through FMCA. It was only a few $ below other Progressive agents bids. I chose them because of the clout backing of FMCA if there was ever a problem. I used Good Sam's for years for the same reason, but no more full replacement coverage.
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