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Old 07-19-2017, 11:51 AM   #1
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Motorhome insurance in Texas....who will get me the best rate?

Hello,

We purchased a 2014 Class A last year and found out USAA was no longer insuring motorhomes. They contracted out with Progressive. I shopped around and they were competitive so I went with Progressive and it was all handled through USAA.

I just received an email from Progressive saying the renewal for this year was going up 25%. No accidents, no claims, I haven't moved, my credit score hasn't changed, etc.

When I called and spoke with them they basically said they were raising rates across Texas and I could take it or leave it.

So I plan on leaving it. Which companies or policy writers should I call in South Texas (Corpus Christi) to get the best rate?

Thanks
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Old 07-20-2017, 03:13 PM   #2
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Try some brokers who deal work many insurance companies. Only way to get options!
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Old 07-20-2017, 05:31 PM   #3
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Quote:
Originally Posted by UncleBilly View Post
Try some brokers who deal work many insurance companies. Only way to get options!
That was going to be my last resort. I ended up firing off a bunch of quote requests online and GoodSam had the lowest. Saved $700 and I got to call Progressive and tell them to pound sand.
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Old 07-20-2017, 05:55 PM   #4
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We had the same experience when USAA dumped us on Progressive a number of years ago. Good first year rate then up, up, up each year for no apparent reason.

We went with GIECO for several years, they were competitive, then got a quote from Farm and City Insurance Services (RV specialists) phone
641 585 2925 very happy with the policy from Allied a subsidiary of Nation Wide. Glass coverage with no deductible.

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Old 08-16-2017, 07:18 PM   #5
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RV insurance

I am going through the same thing. I have gotten several quotes and although they are similar some of the things I found out were:

Not all companies cover your awnings, or they will cover them after your deductible. Not everyone offers replacement value insurance on them. Most depreciate the awning by its age then take the deductible off and leave you with NOTHING. So you $1200.00 awning if it 3 or 4 years old may only get you $200.00 of insurance claim money

Secondly, although you have insurance...some of them do not cover the furniture and other items in the motorhome even though you have personal property insurance. Meaning they cover the exterior of the motorhome and your belongings but not interior items.

Third: if you are unfortunate enough to have an accident and you damage your motorhome and the vehicle or trailer you are towing, most companies will settle the claim less your deductible for each unit. So if your deductible is $500 on each unit, then they will pay out the claim minus $1000. Try to find a company that will use a single ($500.00) deduction for both units incase of an accident.

So with that being said.. the cheapest insurance is not always the best.
That is all the wisdom I can bestow on you at this time.

I have not made my choice yet as I am still researching companies and checking out their reviews to see which one I is the lesser of all evils.
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Old 08-17-2017, 02:06 PM   #6
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I had State Farm for a couple of years and had good service on a burglary claim on the MH. They would only insure the MH if my other vehicles were insured with them. I got a better rate with USAA on the vehicles and Progressive on the MH so i switched. I am going to check rates again when due as USAA and Progressive are creeping up.
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Old 10-16-2017, 02:09 PM   #7
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State Farm gave me a better rate than our USAA account where we have our home and car insurance. Check with them. I'm in Louisiana if that matters.
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Old 10-16-2017, 02:30 PM   #8
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In my opinion, if you are okay with not having replacement insurance, and you don't live in your RV full time, then GEICO is pretty price competitive. I have read my policy very closely and have talked with their agent to confirm coverage, and for the most part it's fine.
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Old 10-25-2017, 11:19 AM   #9
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Progressive did the same time us. Jacked the renewal by 50%. We went with Geico.
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Old 03-22-2018, 09:35 PM   #10
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Geico has been for us the least expensive so far. However, they went up 11% this last go around. They said it was because of the hurricanes. We have 2 vehicles and RV covered; no claims, no tickets, no credit changes. They've been good to us for a tow, but they're really inexperienced with RV requirements in general. We had to battle with two supervisors to get them to tow to a truck brake service place rather than an RV repair place (when our brakes quit); I told them the truck place was actually closer (less miles), but they kept saying, "that isn't where they repair RVs." I had to explain to them the difference between the coach and the chassis. Also, they don't have very good truck/RV towing contractors because they don't pay enough for the reputable tow services to work for them. As far as roadside, they couldn't find anyone who would swap out a dual inside flat tire for a spare. Luckily we made it home (very slowly and a short distance) and I did it myself. I'm thinking about GoodSam maybe to supplement the roadside tire. Geico said they would replace the RV windshield w/no deductible, but charge deductible for the autos. Go figure.
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