Blue Sky Insurance

[Finhawk]

I'm thinking about switching over to these guys. Just wondered if anyone has had experience with them and if so, how are they?

[CLIFFTALL]

Here's a link to some previous threads which may assist.
https://www.google.com/search?q=Blue...com&gws_rd=ssl

[docj]

We've been with Blue Sky for 4 years and have just been hit by a major premium increase as was discussed in the referenced thread. We've had no complaints with the company until now; the one time our car caused a minor scrape to someone else's vehicle they were easy to deal with.

As for the increase they've handed us, it's virtually all in the comprehensive and collision area which means that their perception of the cost of repairing our MH is that it will be more expensive than anticipated. Considering they're giving us "declared value" coverage of over $100k on a 15 year old coach with extra high limits on personal property contained in it, I can't really complain.

As was noted in the other insurance thread, the large number of natural disasters in the past couple of years along with very low interest rates pretty much guarantees insurance premium increases. Since I've now been with Blue Sky long enough for all my deductibles to have gone away, I'll probably swallow hard and stay with them even with the increase.

When you use these threads to compare insurance, almost make sure that you only compare quotes valid in your own state. There are pretty large state-to-state differences in premiums.

[Clayobx]

I had similar experience with Blue Sky but was not fortunate enough to maintain the same premium but for one year. Had to go shopping again this year as they raised our premium over $900.00 yearly for no reason. They have been purchased by a new principal, this generally relates to increases. But in the insurance business if one sneezes in the wrong direction expect an increase.

[Finhawk]

If you're over 75, don't waste your time with these guys. They won't insure us old geezers!

[RVNeophytes2]

Originally Posted by Finhawk

I'm thinking about switching over to these guys. Just wondered if anyone has had experience with them and if so, how are they?

I found them to be awesome, helping when I had what might be considered to be a dubious claim: I fried a generator control module, an air conditioner and my automatic transfer switch during a blackout caused by storm activity during which the shore power had remained connected. I surmised that a line surge or lightning strike was at fault, and Blue Sky backed me all the way.

I'd rank them polar opposite to Good Sam ESP, who refused a minor claim because they said it traced back to lack of lubricant, which was probably caused by a seal failure for which I had not purchased additional coverage...

[djbmsu]

I started with them on a new coach and the price was competitive,,,,, then the second year premium came due and I became the latest "low Ball first year and Hi Ball" the second.
Switched and saved a bunch over their Low Ball price.

[zeelarry]

I had the same experience that djbmsu went through. I just received my second year renewal policy from Blue Sky. The second year policy increase was 73%........YES, a 73% increase in price for the second year policy.

Can this be legal? My Federal Retirements cost of living increases were only 1.7 & 1.8%.

I feel that GREED is involved. So yes, I'll say goodbye to Blue Sky. As a member of USAA, I have contacted Progressive [USAA's agent for rvs/motorhomes] and their quote, IDENTICAL COVERAGE & DEDUCTIBLES, was way below Blue Sky's GREEDY & INFLATED cost.

[Finhawk]

Zeelarry
Check out Hi Sage in Ca. They gave me a good premium again. Only about a $50 increase.
I've been with USAA since 1967 and I wouldn't touch Progressive with a 10' pole. Their estimate was about $500 more than what I have. Besides that, they are one of Soro's holdings

[billbaldwin]

Just settled $32,000 claim with Blue Sky
No issues. Quick payment no drama

[Mike_Harriet]

Just got a second year quote from Blue Sky and premium went down😆😆, so "happy dance"

[docj]

Since my toad and MH insurance are on slightly different cycles, I received the renewal for our CR-V 6 weeks after the one for the MH. I was ecstatic to see that the increase on the vehicle was <1% and I consider the total yearly cost to be quite acceptable (~$600) for a policy with all the bells and whistles including vanishing deductible, rental car coverage, etc.

If I compare the toad policy to the MH one, the ratio of the collision and comprehensive premiums is not all that far from the ratio of the book value of the toad and the declared value of the MH. Obviously, having to pay out the max value is not that common an occurrence, but insurance companies have to consider the "shape of the curve" between zero and maximum payments.

I'm not at all surprised that Blue Sky has determined that the cost of even "minor" repairs on a 15 year old MH with an out of business manufacturer will be more costly than equivalently minor claims for a regular vehicle. If I were to need fenders or a replacement hood for my CR-V they are readily available, not so for the front cap of my MH or my cargo bay doors, etc. I can be annoyed that my rates have gone up, but I'm not sure that it's a bad price for the coverage being provided. And, no, I don't work for BS or any other insurance company.

[jeryan59]

There are many factors which go into determining the premium you pay, some are out of your control and some are within your control. For instance, even if you are accident & ticket free, if you took out a store credit card at the register because they will give you and extra 30% off if you open a card at the wrong time of year, this can impact your credit score which is a component of the things you can control in determining your ultimate premium. I am not defending the big variance some of you are experiencing, but sometimes we are our own worse enemy.