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-   -   RV Insurance: It's Killing Me! (https://www.irv2.com/forums/f59/rv-insurance-its-killing-me-29114.html)

Gadget Man 08-01-2005 10:33 AM

Here we go again. https://irv2.infopop.cc/images/oboy.gif

I had my RV insured with Royal & Sun Alliance up until two years ago. Royal decided to stop writing RV policies, and the same coverage through the next least expensive co. was 35% higher. That co. is INA, who I currently have my RV insured through. Now it seems that INA is getting out of the RV insurance business, and as I thought, the same coverage with another co. will be another 30% higher...a $300 increase. What the heck is going on? https://irv2.infopop.cc/images/frustrated.gif

I am still working, so it's easier for me to take this than some folks who are retired on a fixed income. Nonetheless it angers me. Is this some sort of diabolical scheme to force us to pay more $$? https://irv2.infopop.cc/images/Wow1.gif

I've received quotes from Progressive, AON and Mendota, and their premiums are all about the same. Can anyone recommend any other companies?

Craig

Gadget Man 08-01-2005 10:33 AM

Here we go again. https://irv2.infopop.cc/images/oboy.gif

I had my RV insured with Royal & Sun Alliance up until two years ago. Royal decided to stop writing RV policies, and the same coverage through the next least expensive co. was 35% higher. That co. is INA, who I currently have my RV insured through. Now it seems that INA is getting out of the RV insurance business, and as I thought, the same coverage with another co. will be another 30% higher...a $300 increase. What the heck is going on? https://irv2.infopop.cc/images/frustrated.gif

I am still working, so it's easier for me to take this than some folks who are retired on a fixed income. Nonetheless it angers me. Is this some sort of diabolical scheme to force us to pay more $$? https://irv2.infopop.cc/images/Wow1.gif

I've received quotes from Progressive, AON and Mendota, and their premiums are all about the same. Can anyone recommend any other companies?

Craig

Houndog 08-01-2005 11:08 AM

We pay $565 a year, not hard to take..

Gary RVRoamer 08-01-2005 02:20 PM

Might we ask where you are located and what coverages you are requesting? Rates will vary dramatically by state (due to liability rate differences), your driving record and optional coverages such as Fulltimer and Full Replacement Cost, which can add substantially.

I would make a wild guess and say the range of costs is likely to be from $500 to $1000 yearly, depending on numerous factors. Typical costs are perhaps $600 for vacationers and $800 for fulltimers? As I say, there are far too many variables to be very precise.

ArtB 08-01-2005 03:02 PM

I had Hartford (AARP) and it went up to 975 Yr for MH.

I switched to Camping World(GMAC)and now pay 620 year.

Like said, lots of factors, even age. Art

Gadget Man 08-01-2005 05:13 PM

Hi Gary,

We live 50 miles east of Los Angeles. The two things that seem to kick up the rates are my desire for full replacement value and a one million dollar bodily injury liability. My wife and I both have spotless driving records, and our last claim was 8 years ago. We are recreational users only.

I wouldn't be complaining if my premiums hadn't climbed 65% in the past two years. https://irv2.infopop.cc/images/eek5.gif

Craig

GStream40 08-01-2005 06:02 PM

Insurance is one thing that is a major expense on our coach, but not as high as diesel fuel. https://irv2.infopop.cc/groupee_commo...s/icon_eek.gif

We pay $1204.00 a yr. with a $500k on each liability, uninsured motorist, and underinsured motorist. The coach is insured for full value of $221K.

We also carry a 1 million dollar blanket/umbrella liability that covers the car, coach, home, and more that cost another $106.00 a yr.

We have checked with other companies and none have been able to touch the price we have for the coverage we carry.

Have been with the same company for 7 years. Last year they paid out for hail/storm damages on our coach and our home for us more that $18k without a problem.

Golf ball size hail and 75 mph winds do a lot of damage.

Ron

Gadget Man 08-02-2005 05:45 AM

<BLOCKQUOTE class="ip-ubbcode-quote"><div class="ip-ubbcode-quote-title">quote:</div><div class="ip-ubbcode-quote-content">We have checked with other companies and none have been able to touch the price we have for the coverages we carry. </div></BLOCKQUOTE>

Hi Ron,

May I ask what co. you're with?

Craig

GStream40 08-02-2005 10:03 AM

Hi Craig,

The company that we are insured with is Auto-Owners/Home-Owners Insurance. It is thru our local Independent insurance agent.

One thing that we found is that the best rates can be had if one insures everything, car, home and RV thru one agent/company. Many discounts will be given as such. But any company is only as good as their handling of claims and thru our experience with this company they have been the best. We have turned in four different claims in the past 6 years due to storm damage and they have handled each one fast with not one complaint. The adjuster was on site within one to two days, checks were sent to us within one week.

If you call the home office in Lansing, MI. @ 517-323-1200 they could probably tell you where your local agent is located so that you could get a quote.

BTW, I am NOT an agent for them, just a satisfied client.

Ron

Gadget Man 08-02-2005 11:18 AM

Thanks Ron, I'll give them a try.

Craig

Doug Polzin 08-02-2005 11:49 AM

Check with Foremost Ins in MI. They insure our motorhome and 2 motorcycles. They don't insure autos.


doug

John66 08-02-2005 12:09 PM

I checked with everyone I could find and settled on GMAC through Sam's Club. They were not the cheapest, but were the cheapest that had a company I had heard of. And with the discount they offer for OnStar equipped RVs, it is less than the lowest quote I got.

CyberVet65 08-02-2005 02:25 PM

Sorry, I just gotta post this after paying on a fifth wheel for five years.
I have a Lance and there is no insurance on it. When loaded on the truck it is considered payload by the insurance company. When off the truck it is covered by my homeowner's insurance.
So life is good! https://irv2.infopop.cc/groupee_commo...on_biggrin.gif
Chet

Gadget Man 08-02-2005 04:31 PM

<BLOCKQUOTE class="ip-ubbcode-quote"><div class="ip-ubbcode-quote-title">quote:</div><div class="ip-ubbcode-quote-content">Originally posted by CyberVet65:
Sorry, I just gotta post this after paying on a fifth wheel for five years.
I have a Lance and there is no insurance on it. When loaded on the truck it is considered payload by the insurance company. When off the truck it is covered by my homeowner's insurance.
So life is good! </div></BLOCKQUOTE>
All I can say Chet is.... https://irv2.infopop.cc/groupee_commo.../icon_razz.gif

LOL

John66 08-04-2005 12:34 PM

I found that 5th wheel insurance was dirt cheap through my truck insurance company. Motorhomes are another story entirely, as they have all the requirements for coverages that a car does.


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