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Old 10-09-2015, 06:10 PM   #1
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Insurance Question

Not sure if this is the right place for this kind of question but here goes:

Getting insurance is next on my list.

I've been working with an agent from Good Sam who has been very helpful. Offering a bundle pkg for both the truck and RV. Offer seems fair, agent seems to be knowledgeable.

Before we pull the trigger we thought of looking at other options:
USAA
Geico
others??

Are there any suggestions/recommendations out there?

Thank You,
Mike
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Old 10-09-2015, 07:08 PM   #2
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We were recommended RV America insurance by our dealer. RV America Ins. company then did a comparison for me & recommended coverage by National Interstate Ins. Co. Received the same coverage as Good Sams for SUBSTANTIALLY less. 18004000186
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Old 10-09-2015, 07:40 PM   #3
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Mike,
I have nearly 40 years in the insurance business. There is no simple way to answer your question. Coverage and loss settlement provisions vary significantly as RV insurance is not a standard contract.


Here is a quick example to try to illustrate my point: Many companies provide replacement cost on the RV for the first 5 years. After the 5th year, coverage can be quite different. Some companies coverage reverts to purchase price in year 6 and after. Others revert to ACV (actual cash value less depreciation) in year 6 and after......a HUGE difference in coverage....and thus usually a huge difference in price.


Bottom line, unless you want to read and understand the contracts, find a knowledgeable agent that can explain and SHOW you the differences. Most folks buy RV insurance based on price....a big mistake.


Ken
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Old 10-09-2015, 09:39 PM   #4
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We have had very good luck with Prudential over the years for the RV's.
I am not familiar with what is mentioned above about the 5 year thing but will look into it.
On our last MH we had two windshield claims over about a 8 year period and they are not cheap. They found the closest reputable glass company and within a week they were replaced both times at my convenience with only a $100 deductible.
We now have Prudential on the 5er with complete coverage. The only coverage I didn't opt for this time was glass since we have no front windshield.
Prices are very good I think.

Steve
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Old 10-09-2015, 10:53 PM   #5
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We're with Progressive, several times I've filled out the Good Sam insurance request and both times they came in almost triple our rate with Progressive. We have the 5 year Replacment Cost, and the Purchase price after that. The company we were with prior to the RW wouldn't cover the RW because it's purchase price was over their limit.
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Old 10-10-2015, 12:55 AM   #6
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OPPS!!!!
I'm getting good at mistakes here.
My above post should have said "Progressive"
Prudential is my life insurance.

Steve
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Old 10-10-2015, 04:46 PM   #7
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Ken (Brenko) helped me figure out the policy for Good Sam. It is high, but because our rig was already a year old it was hard to find a replacement coverage policy.

As Ken says, many different input factors. Both our Allstate and National General (Good Sam) policies go up almost 30% when I input the actual storage location vs our home address. It seems our storage area is in a high hail risk and flood area in the last few years, and no credit given on either policy for it being inside a garage.
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Old 10-12-2015, 02:04 AM   #8
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We've been happy with Progressive.
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Old 10-12-2015, 02:24 AM   #9
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I just got Progrssive as well
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Old 10-12-2015, 03:34 AM   #10
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We have progressive too
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