Community Forums

rebel4963 · 01-03-2011, 05:30 PM

Hi just got a new motorhome 2000 newmar. Just learning our way around. Do you go through your car insurance? Or is there a special one for RV Bob

gripper · 01-03-2011, 05:58 PM

There are several companies that insure both cars and RV's. You wouldn't want to insure your RV, like you would your car. Gieco, Good Sam, Progressive, are good companies mentioned a lot, in this forum. Some members swear by them and some swear at them. Just do a search on "RV Insurance", to read the posts.

GaryKD · 01-03-2011, 06:11 PM

Hi rebel4963,
Consider contacting an RV insurance broker. They sell RV policies through several different companies. I use Farm & City. Their number is 800-331-1520.

azloafer · 01-03-2011, 06:12 PM

We use Sate Farm for our coach, two cars and the house. We use CoachNet for road service and RV elite for our coach extended warranty.

Gary RVRoamer · 01-03-2011, 07:39 PM

Just make sure you have RV-specific coverage on your RV - it's not just an expensive car. And definitely shop around, getting quotes from companies that specialize in RVs as well as your car insurer.

We used The Hartford for awhile but switched to National Interstate for the RV because we got broader coverage for a bit lower premium. Kept Hartford for the car, though.

Dirtbuster · 01-03-2011, 07:48 PM

Quote:

Originally Posted by rebel4963

Hi just got a new motorhome 2000 newmar. Just learning our way around. Do you go through your car insurance? Or is there a special one for RV Bob

If you just purchased your Newmar recently, you might want to check with your car insurance company, to see if it has coverage. Most auto's are covered for 30 days upon purchase. Most RV policies are not included with your auto insurance coverage.

Might want to check on your states coverage law!

JimM68 · 01-03-2011, 09:04 PM

State Farm, along with everything else I own.

azloafer · 01-04-2011, 01:44 AM

An example of State Farm and its coverage: This is on a prior coach. The RV storage lot people called me to report that I had a lot of wind damage and better come and check the coach. I found that two awnings had extended on their own and not only were the awnings and arms ruined, but the awnings had been flying around and scraped the paint off along the side of the coach. I also had a broken windshield which I was going to have to replace, but it had nothing to do with the storm. I called Good Sam and the Road Service people came within the hour. The fellow tied ropes to the awnings and then pulled them up and tied them in place. I had to pay a labor charge because I only had road service with GS and not the whole package. I contacted State Farm the next day and at first they were writing the incident up as three separate charges. Awnings...paint damage...windshield. They called back an hour later and said that all three things would be given one case number and fixed under comprehensive with no deductible. Then they asked if there was anything else that I found wrong. I mentioned the GS labor charge. They asked for a copy and paid me for that also. The whole thing ended up with no deductible at all. The entire bill came to a little over $4,000. I can't see how I could have been treated any better than that. Joe

rebel4963 · 01-04-2011, 03:53 AM

Quote:

Originally Posted by rebel4963

Hi just got a new motorhome 2000 newmar. Just learning our way around. Do you go through your car insurance? Or is there a special one for RV Bob

Thanks so much for all the help. Were looking at formost. They cover towing no matter how far to get it fixed. Guess it would be expensive to tow a couple hundred miles. This site has been so helpful to Bob and I. Looking forward to meeting new rv people. Beth and poms

rebel4963 · 01-04-2011, 04:08 AM

Nice car. Do you go to the car shows? We do a lot of them. 63 vette 49 merc. Bob

kayakdeb · 01-04-2011, 05:39 AM

Quote:

Originally Posted by Gary RVRoamer

Just make sure you have RV-specific coverage on your RV - it's not just an expensive car. And definitely shop around, getting quotes from companies that specialize in RVs as well as your car insurer.

We used The Hartford for awhile but switched to National Interstate for the RV because we got broader coverage for a bit lower premium. Kept Hartford for the car, though.

Do you have contact info for National Interstate? I need to renew insurance for our Alpine Coach and would like to get some quotes. We are currently insured through Progressive.

duncan1 · 01-04-2011, 06:04 AM

When buying RV insurance you may want to ask about some of the new coverages most of the underwriters are offering. One of the newest additions to policies is total loss coverage. This varies from company to company. As you know the ACV (actual cash value} drops as soon as you purchase any vehicle. The total loss policy covers you if your vehicle is stolen, damaged beyond repair by a storm or damaged beyond repair by an accident. Some companies will buy you a new vehicle up to 5 years. I think this is a great policy for RV owners. I'm not sure of the cost but I've heard it's not real expensive. You can also buy a policy that covers your purchase price up to 5 years.

Duncan1

rebel4963 · 01-06-2011, 05:51 PM

Thanks we ended up going with formost. They cover the value of the rv and tow rig to the nearest place to be fixed. Even if it's 100 miles. they cover it. Thanks for all the input from a lot of nice people. Beth

azloafer · 01-17-2011, 11:45 AM

I thought that my State Farm Insurance on our RV was a little high, so today I gave all the information to Good Sam (GMAC) to see what their premium would be. When I got done with their plan and cost for each type of coverage, I found that their premium, with less coverage on some important things, was twice as much as what I am paying now! Many years ago I had Good Sam RV Insurance and it was a better deal than State Farm even after I collided with a post in a gas station. I was shocked that they had changed so much over the years. Oh well, I gave it a shot. Happy travels, Joe