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Old 06-17-2013, 09:05 PM   #1
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Insurance question

What is the name of your insurance company and how are the rates for full timing? Any advice on what to ask when shopping for insurance? What is your experience?
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Old 06-18-2013, 07:26 AM   #2
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When shopping for insurance, make sure the company provides true RV insurance. Many auto companies say they cover RVs, but the coverage doesn't include things like awnings and satellite dishes.

Also, make sure the company covers full-timers. Normally, the contents of your RV are covered by your homeowners insurance, so you need special coverage as a full-timer.

We bought our insurance through Miller Agency. They (and others) specialize in full-time insurance, so they were able to guide us. They also gave us quotes from different companies and for 2 different domiciles we were considering.

Rates will depend on what coverage you want, your deductibles, your driving record, the value of your vehicles, and your domicile.
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Old 06-18-2013, 07:32 AM   #3
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Welcome to irv2. As said , you need to get a broker who specializes in RVs especially if you're going to full time .The rates that others pay may not reflect what you're going to pay and the Co. that others have may not write in your area or may not be competitive in your area.
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Old 06-18-2013, 07:33 AM   #4
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We are not full timers, only 1/2 time but ours is through Progressive and so far we have been very happy with it. We had an expensive electrical problem that wiped out many things like the microwave/convection oven at $800 and they took care of the bill no questions. They sent and adjuster out at the same time an RV tech made out a "damage report". We looked up reasonable replacement costs for each item and they paid that plus labor. Minus the deductible of course but that is to be expected.
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Old 06-18-2013, 07:36 AM   #5
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I had State Farm for 30 plus years. When I told them I need full time coverage they said no problem. But they would never send me any thing showing my coverage. Agent said all our RV protection covers full timing. So I called other offices and was told we don't do full timers coverage. So I changed to Miller. When I bought a new 2 me GMC and Carriage 2011 CKSLS after a month I still didn't have any thing showing there coverage, not even on there web site. Amazing though after I dropped them they showed up.
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Old 06-18-2013, 08:49 AM   #6
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Hi and welcome to the forum.

I've had Progressive full time insurance since 2007. The rates started around $1500/yr and climbed to the current $2200/yr.

They've paid one claim and tried to jack my premiums to >$3200 and I had to go a couple of rounds with them to show them I was entitled to the disappearing deductible and the accident forgiveness features in my policy. I do suspect it was an honest mistake on their part caused by an agent not linking our old policies to our new policies when we moved from California to Texas.

As mentioned, your premiums may vary widely depending on your rig and choices. This was for a new DP with very high liability limits.

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Old 06-19-2013, 01:27 PM   #7
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When we purchased the motor home we contacted Farm and City Insurance in Forest City, Iowa. They gave us quotes from five different companies. We went with Progressive. When we went fulltime almost two years ago we contacted them again. They ran quotes again based on changes in coverage. Ended up going with Progressive again. You can contact them and they with get you quotes and discuss coverage with no obligation. If you decide to us them they will get you a deep discount on CoachNet ERS.
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Old 06-19-2013, 02:29 PM   #8
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Check out GMAC insurance through Good Sam.

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Old 06-19-2013, 03:48 PM   #9
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GMAC was bought out by a company named GENERAL NATIONAL.
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Old 06-19-2013, 06:50 PM   #10
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We have good sam and pay about $160/mo. There is a RV insurance article here. If you scroll about halfway down the page there are links to download comparison charts that you can print/customize. It will help you ask the right questions and compare each insurance carrier.
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Old 06-19-2013, 09:11 PM   #11
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Quote:
Originally Posted by EDALLSAILS View Post
GMAC was bought out by a company named GENERAL NATIONAL.
They are still selling insurance as GMAC.

Auto Insurance Quotes - Car Insurance Quotes, RV, Homeowners, & Motorcycle Insurance Rates | GMAC Insurance

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