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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:

Are there any suggestions/recommendations out there?

Thank You,
Mike & Patti
Travel Partners: Boudreaux and Miley
2013 36FB
2013 F350 KR
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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
Mike & Gayle
Our 3 fur children "Ting-Tang"&"Saylor"(Shih Tsu's) &"Kai" (Finnish Spitz)
2007 Silverado Classic 3500 LT C.C. Longbed Dually,
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2016 39MB 5.5 Onan, Residential Package, Goodyear G114's, Mor/ryde heavy duty Shackle/bushing upgrade.
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Old 10-09-2015, 07:40 PM   #3
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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.

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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.


2014 Redwood 36FL and 2015 GMC Denali 3500 DW Duramax
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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.
Michelle & Ann
2018 Chevy 3500HD Crew Cab High Country DRW, D/A, 2016 RW39MB, Dual ACs, Auto Level, Auto Sat Dish, Stack W/D, King Sleep #, 17.5" Sailuns w/Disc, MORryde IS & Pin, Comfort Ride Hitch, 5.5 Onan, Res Fridge & Induction Cook Top
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Old 10-10-2015, 12:55 AM   #6
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I'm getting good at mistakes here.
My above post should have said "Progressive"
Prudential is my life insurance.


2014 Redwood 36FL and 2015 GMC Denali 3500 DW Duramax
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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.
Brad & Dory - Lone Tree, CO
CURRENT - 2013 Itasca Meridian 42E/2013 Wrangler 4dr Sahara
SOLD - 2014 Redwood 36RL/2014 F350 DRW
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Old 10-12-2015, 02:04 AM   #8
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We've been happy with Progressive.
Elliott & Vicky, and Sadie the GSD copilot
2014 36RE, Onan, Titan disc brakes, 17.5 inch Sailun H tires, lots of other options
2013 RAM 3500 CC, LB, DRW, Cummins, AISIN, 4x4
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Old 10-12-2015, 02:24 AM   #9
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I just got Progrssive as well
SOB "The RV Wiseguy"
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Old 10-12-2015, 03:34 AM   #10
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We have progressive too
Robert & Sheryl
2014 Redwood 38FL
MoRyde 8K IS, Disc Brakes, MoRyde Pin Box
17.5 Goodyear G114's, RV Armor Roof
2018 RAM 3500 DRW, Curt Q24 Hitch

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