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Topic: Insurance  (Read 985 times) previous topic - next topic

Insurance

Just got renewal from Foremost. They went up 60% this year because they said a lot of claims on trailers and rv's. Has anyone used good sams for insurance?

Ken & Peggy
Ken & Peggy
91 GV  U300 40'
DD 6v92
Build #3819
2023 Canyon Denali 4x4 crew cab

Re: Insurance

Reply #1 –
I've used Good Sam and an affiliate and they are very good at maintaining a place for me to send my money. Never had to use the service while I had it but as eager as they were to take my money I always thought they'd be as eager to dole it back out.
Larry
1996 U295 36'
Build # 4805
Actually we sold it but just like to lurk

Re: Insurance

Reply #2 –
We used Good Sam's and their affiliate. Came through on our Deer smack except for our deductible. Had a tiny problem, but we came to a quick understanding it was going to be fixed in Nac, rather than Dallas. Once they understood the coach was being fixed by the builder, no problems.
Lynn and Linda Day and Harry the pug
RIP: Tank 01-2008 to 03-2020
2012 Nimbus 42' build 6555
ISX12-500hp
2015 Jeep Grand Cherokee
MC# 17723

Re: Insurance

Reply #3 –
Ken,  I have an agreed value policy thtough Thum Insurance Agency.  Got them from Prevost friends.

My policy was going up a bunch, called Mellisa as suggested and kept agreed value for less than year before.

All the best in your search
Rudy Legett
2003 U320 4010 ISM 450 hp
2001 U320 4220 ISM 450 hp
1995 U320 M11 400 hp
1990 Granvilla 300 hp 3208T
Aqua Hot Service Houston and Southeast Texas

Re: Insurance

Reply #4 –
We paid $750 to Foremost in September. Was $725 the year before and $750 the year before that. Wonder if flooding in your area is the cause?

Anyone have a lower rate? Please let us know. Foremost was excellent when a tree fell against the back bumper a few years ago.

Pierce
Pierce and Gaylie Stewart
'93 U300/36 WTBI
Detroit 6V-92TA Jake
1140 watts on the roof
SBFD (ret)

Re: Insurance

Reply #5 –
Safeco for us. Great price, great service, Includes towing

Chris
Chris and Tammy White  CDA Idaho
Previous owners 1997 U295 36' 3126 Cat 300 HP Build # 4998
Former Foretravel tech & RVIA certified tech
Former owner Custom Satellite home/RV satellites 
Former owner Vans LTD  van conversions
Unemployed, panhandler, drag racer NHRA #6348

Re: Insurance

Reply #6 –
I'm like Chris, Safeco. Had National Interstate till they stopped rv business. Safeco was seamless  transfer. don't know if they are the cheapest, but it has been the same for 3+ yrs now.

Larry
Larry Warren
1996  U320 36' SBID "Lola" sold 2020
Build #4970
Motorcade #18318

Re: Insurance

Reply #7 –
We are looking for insurance this week and Rudy told me about Thumb, that they will I sure you for an agreed value if totaled as opposed to a regular policy that gives you the "wholesale" value, whatever that turns out to be.
Does any other company give an agreed amount in the case of a totaled coach?
David & Emma Roche
Dino (Golden Doodle)
1999 U270 WTFE 36' Build # 5534
Xtreme "Lights, Stripes & Roof"
Motorcade# 18321
Dayton, Ohio
Towd: Jeep Grand Cherokee
Two Townie Electra Bikes

Life is made to enjoy, the Foretravel helps!

Re: Insurance

Reply #8 –
Quote from: Irish –
Does any other company give an agreed amount in the case of a totaled coach?
The cost of buying insurance coverage for any given vehicle, owned by a unique individual, in a specific location (state/county/city), has so many built-in variables that comparing prices with other members is not useful.  Best to just get as many quotes as possible for your specific situation, then pick the best deal available to you.

I think you will find other companies that will write agreed value policies.  You just need to shop around.  We have our coach coverage through Progressive.  Our policy is not agreed value, and it is not full-timer coverage.  We carry insurance mainly for the liability protection, and to meet the letter of the law.  In the event of a total loss, we would be lucky to get half of what we have invested in our coach, but that's OK because we could absorb the loss.  What we cannot afford to absorb is a million dollar liability lawsuit.  That's (mainly) why we need the insurance, but your situation could be completely different.

Link below to Progressive.  You can work up a pretty accurate price quotation on their site, without ever talking to a "salesman".

Do your homework.  Decide what hazards you are actually insuring against.  Determine how much deductible you can cover out of your pocket.  You can save a lot of money by getting the right policy that best fits your needs and personal situation.

Progressive: Ranked One Of The Best Insurance Companies | Progressive
1993 U280 SE 40' WTBI, Build: 4359
C8.3 300hp, 6-Speed, Exhaust Brake
960 watts on the roof (6 x 160)
Sorento (or BOLT) on a Kar Kaddy SS
"Nature abhors a vacuum"

Re: Insurance

Reply #9 –
We have State Farm, About $1000/ year.  Great coverage, great service.  That is what you pay for.  Cheap insurance may save you some money now but when you need it will it do all that you need?  Maybe. Shop carefully. How much risk are you willing to assume?
Roger Engdahl and Susan Green
2001 U320 3610 #5879 (Home2) - 2014 Jeep Cherokee or 2018 F150
Hastings, MN

Re: Insurance

Reply #10 –
Quote from: Chuck & Jeannie –

Link below to Progressive.  You can work up a pretty accurate price quotation on their site, without ever talking to a "salesman".

Do your homework.  Decide what hazards you are actually insuring against.  Determine how much deductible you can cover out of your pocket.  You can save a lot of money by getting the right policy that fits your needs and personal situation.

Progressive: Ranked One Of The Best Insurance Companies | Progressive

In Georgia, Progressive offers road side assistance coverage. That along with full timers coverage sealed the deal for us.
1992 Foretravel Grand Villa
U225 SBID Build No. 4134
1986 Rockwood Driftwood
1968 S.I.A.T.A. Spring
1962 Studebaker Lark
1986 Honda VF700C
1983 Honda VF750C
Charlie, the Dog was broken out of jail 24 Oct 2023
N1RPN
AA1OH (H)e who must be obeyed.

Re: Insurance

Reply #11 –
Quote from: Old Toolmaker –
In Georgia, Progressive offers road side assistance coverage.
Regarding the "roadside assistance" coverage contained within some RV coach policies - it pays to check into the details.  The coverage may or may not meet your needs.  Link below to a thread we had running here last year.  Lots of good info on the subject came up during the discussion.

May be of interest to current insurance shoppers.

Insurance Renewal Time
1993 U280 SE 40' WTBI, Build: 4359
C8.3 300hp, 6-Speed, Exhaust Brake
960 watts on the roof (6 x 160)
Sorento (or BOLT) on a Kar Kaddy SS
"Nature abhors a vacuum"
 

Re: Insurance

Reply #12 –
Quote from: Chuck & Jeannie –
Regarding the "roadside assistance" coverage contained within some RV coach policies - it pays to check into the details.  The coverage may or may not meet your needs.  Link below to a thread we had running here last year.  Lots of good info on the subject came up during the discussion.
Insurance Renewal Time
Every year the roadside service and towing mileage seems to be less and less. AAA used to be good but much less and it varies from state to state. Pays to do the research.

Pierce
Pierce and Gaylie Stewart
'93 U300/36 WTBI
Detroit 6V-92TA Jake
1140 watts on the roof
SBFD (ret)