RV insurance

[JR]

I just came across a too good to be true deal on a 5th wheel and bought it. Wasn't really looking at a 5th wheel to begin with but I really like the floor plan and as I said, the deal was too good to pass up. It is currently sitting in an RV park while I obtain a 5th wheel hitch, and in the mean time I have been browsing insurance/road side assistance coverage. As of right now I plan on using the same agent that we have our vehicles/home with but I have to wait until tomorrow to get a quote. Are there any RV specific insurance companies anybody can recommend, or am I better off sticking with my local agent? I've not had to deal with them for the house but they've always treated us well as far as the vehicles are concerned.

As always thanks for any insight.

 

[DavidC]

Do a search on rv.net. There are good answers floating around there. Mine is with State Farm which has the house and vehicles, I should change to another as it is a rider and the truck needs to be attached to the RV for coverage. I know people talk of Geico, Progressive, Good Sam and a few others.

Dave

 

[RUSSELL5000]

I found good rates and coverage from Progressive. Never had a claim, so can't say whether truly good or not.

 

[Bob4x4]

No real experience that matters since I have never filed a claim on the rv policy.I have used the tow coverage and it went well.I have been with a AAA bundle pkg ever since my previous carrier wanted to rape me when I added my first teen son

 

[JR]

Thanks for mentioning RV.Net, thats another new to me site i wasnt aware of (there have been alot of them lately!). I got an online quote from Good Sam, I have a few questions on coverage so I'll wait to talk to a rep from there as well as my local agent before making a decision.

Thanks guys

 

[mwilson]

In Maine the trailer falls under the tow vehicle insurance while attached. Then I have a comprehensive policy that covers it for all other damages. Beware that your awning requires additional coverage. I have that as well.

Allstate is my carrier.

 

[RustyJC]

We use Coach Net for roadside assistance and have our RV on our Geico automotive insurance policy for comprehensive and collision - liability coverage comes under the truck that's towing it. We used to have Good Sam for roadside assistance, but their service was too spotty for us - they couldn't assist us on a Saturday morning at 10:30AM on Interstate 45 between Houston and Dallas when we lost a tire on our previous 5th wheel, so I can only imagine what they would do if we were really "out in the sticks".

Rusty

 

[JR]

Awning insurance? Boy, I can see I have alot to learn.

Rusty, have you used Coach Net for any roadside assistance yet? Doing some reading online last night I've read of alot of "spotty" roadside coverage stories at one time or another through different companies. Just curious how they have been for you.

 

[RustyJC]

Nope, I haven't had to use Coach Net yet (knock on wood). 1 year of free Coach Net coverage came with the purchase of our 2014.5 Mobile Suites in May 2014, so when it came time to renew this May, I chose to stay with Coach Net based on the internet reports I'd seen over the past 15 years or so from other RVers - Coach Net seemed to have a better reputation than Good Sam (part of the Affinity group that owns Camping World). All of these companies depend on their network of local providers, and an ongoing comment that I kept running across was that these providers hated to get a Good Sam call because Good Sam had low reimbursement rates and was slow pay.

Rusty

 

[Jim W]

I use State Farm for my cars,house and our Cedar Creek 5th wheel. I have had a claim a against our older camper when the tire failed and took out the driver side of the camper. I called the State Farm number at 8:00 am on a Sunday in Kearny Nebraska and a service vehicle was there in less than a 1/2 hour to change the tire and get us on the road. The damage was over $3,000 and they paid all but the deductible.

Jim w.

 

[mwilson]

If the wind takes.the awning up over the roof and smashes the vents, skylights, etc. and you don't have standalone awning coverage its all on you.
Make double sure that you have the awning rider if you plan on using it. I use my awning (with tie down straps) all of the time.

 

[GAmes]

I don't have any complaints about Good Sam roadside assistance. A few years ago I managed to find some cyclone fence wire ties on I 76, about 60 miles NE of Sterling, Co. Actually it was the three right side tires of my duelly that found them, somehow the 5er I was pulling went unscathed. It was raining, windy and about 40 degrees outside. Good Sam sent a roll away truck with a Chevy duelly on the back. The driver unloaded the Chev while I unhooked the 5er, we loaded my truck onto the wrecker and hooked the 5er to the Chev. I then followed him back to Sterling driving the Chev (I found out what a POS that D/Max is). After a couple tires were mounted and my spare was installed I was on my way. I doubt any other company could have done it any better.

I have our RV on my USAA auto policy.

 

[Killgore]

JR, you're probably aware that I'm with USAA if you have followed the thread on here concerning movement between the pin box and camper body. I've used their Roadside Assist four times (two flat tires, one lock-out on the truck, and one time stuck in the mud) and they got me back on the road within a reasonable time frame. And granted, they like all the other providers have to rely on independent contractors to service their customers, so experiences can and will vary. I have the camper covered with them as far as collision, comprehensive and liability. I remain a very satisfied customer, whether or not they decide to cover my concerns over the movement between the pin box and camper body (to be determined about Sept. 10th). In fact, I've been with them for fifty years and three generations of my family have been members. I can't give them a higher recommendation.

I had Good Sam's ESP Protection; the first three years the premium was $308 per year. When I went to renew the policy the premium jumped to around $780 per year (maybe they suspected that I was fixin' to have an issue, LOL). I left their ranks as a member.

Good Luck! - Ed

 

[JR]

If the wind takes.the awning up over the roof and smashes the vents, skylights, etc. and you don't have standalone awning coverage its all on you.
Make double sure that you have the awning rider if you plan on using it. I use my awning (with tie down straps) all of the time.

I could totally see this happening, I'm just amazed they aren't covered being they are part of the RV.

I don't believe I can sign up with USAA as I've never been in the military. I had an opportunity to be a rivet head right out of highschool. Money was too good to pass up so I jumped. Minus the blown out knee, busted fingers and hyrniated discs it's turned out to be a pretty good career :-laf

 

[Killgore]

JR, do you have any family members who served? They do offer membership to the extended family.
- Ed

 

[Dutch & Di]

We have used National Interstate Ins for years. We have AIS as the broker. We use it for our 5th wheel and Dodge Ram. Their rates have been good & competitive without a lot of price gouging after purchase. The few claims we have had have been handled quickly and easily. Here is a link:http://www.aisinsurance.com/products/recreational-vehicle/overview.aspx Hugs, Di

 

[JWGreen]

About 4-5 years ago I switched from State Farm to Allied Insurance from Des Moines, IA. The broker is Farm & City Insurance Services from Forest City, IA. I had a claim since then when I brushed a bridge on the curb side and damaged the awning arms. The claim was settled quickly and fairly plus the annual premium is less than State Farm. My rates did not increase after the claim. Allied Insurance specializes in RV insurance and is part of the Nationwide group of insurance carriers. I tow a 34 ft. Airstream triple axle trailer and FCIS is a corporate sponsor of the Airstream RV owners club. The FCIS phone number is 800-331-1520.