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Old 05-19-2005, 05:12 AM   #1
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We have progressive insurance for the Brave, but they just raised our rate from $950/yr to $1400/yr even though we haven't had any claims.

I've gotten quotes from CampersWorld Ins(thru GMAC) and RV America.

Any other reputable RV insurance companies you can recommend?

Thanks.
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Old 05-19-2005, 05:12 AM   #2
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We have progressive insurance for the Brave, but they just raised our rate from $950/yr to $1400/yr even though we haven't had any claims.

I've gotten quotes from CampersWorld Ins(thru GMAC) and RV America.

Any other reputable RV insurance companies you can recommend?

Thanks.
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Old 05-19-2005, 06:19 AM   #3
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I have Mendota which is part of Travelers Insurance Group. I think it is only sold through independent agents. Mine is through Gilbert RV Insurance in Orlando (1-888-784-6787). I'm paying about what your new rate is on the Brave.

So far, I'm very happy with Mendota. My Journey was hurricane damaged last Aug. Mendota paid $486 to tow it to the body shop of my choice and then paid more than $63,000 for repairs without a wimper (at least that I coud hear)

My renewal doesn't come up for a couple of more months. Waiting to see IF they renew and at what price. They've got a satisfied customer that will stay with them forever, if they don't want to make back the whole $63k in one year...
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Old 05-19-2005, 07:19 AM   #4
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I would get a quote from Farm & City Ins. in Forest City, Ia. If you are a WIT Member I think you get a discount and they are RV specialists that have several companys. The phone number is 1-800-331-1520. The service is very good.
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Old 05-20-2005, 05:00 AM   #5
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I originally got a quote from GMAC through Camping World. They had a slight "adjustment" by the time the policy arrived. At renewal they had another increase (again - no claims) so I looked at Progressive. I got the internet quote direct from Progressive then I asked our local agent for a quote. He handled Progressive as well and he got a lower quote for the same coverage from Progressive than I did over the website. I changed to Progressive (thru my agent) and had a windshield claim the first year. When renewal time came Progressive actually went down, instead of up. Progressive is now doing a name change to "Drive Insurance" for all their agent issued policies. They want to differentiate from the web-direct policies sold under the Progressive name. You would think that dealing direct with Progressive cuts out the middleman (the local agent) so they'd be cheaper but that was not the case. I'd check with a local independant agent and see what they can do for you. I'm very happy with Progressive. They are easy to contact compared to GMAC, who can be a hassle and they pay out quickly.
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Old 05-20-2005, 08:03 AM   #6
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We just returned an hour ago from our State Farm agent arranging insurance on our new coach. Here are some of the salient details:

$200,000 coach value (actual purchase price) - premiums are about $1,500 per year with a $1,000 collision deductable and $250 comphrensive deductable

Contents are covered via our State Farm homeowner's policy

State Farm WILL NOT insure an RV that is the principal residence - period! We plan on full-timing when we sell the house later this year and we will unfortunately have to find new coach insurance.

If the coach is a total loss, the replacement is adjusted value and NOT replacement value. However the agent said if it is less than a year old, the claim paid would likely be close to the purchase price (so he says - but he doesn't speak for the claims department!)

At the FMCA rally in Perry this past March, we received the following quote from GMAC:

Quote: $1,075 (This quote actually covers the coach AND a toad)

Bodily injury $250k/$500k
Property damage 100k
Under-uninsured motorists 250k/500k
Other than collision windshield 1k deductable
Other than collision replacement cost 1k deductable
Collision 1k deductable
Full time protection 250k/500k
Personal effects 3k

This is not a complete list of the quote items - some cover the coach, some the toad.

Hope this helps.. John
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Old 05-23-2005, 08:23 AM   #7
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You might want to look at AON Insurance (formerly RVAA). I am a fulltimer and have lots of extra coverages. AON is a broker headquartered in Bellevue, WA 1-800-521-2942 (M-F 6am-4pm PDT).

My policies (both 04 Vectra and 04 Jeep Grand Cherokee) are with National Interstate Insurance.

You will find AON to be VERY responsive and knowledgeable. They specialize in RV Insurance for both the fulltimer and part-timer.
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Old 05-23-2005, 05:34 PM   #8
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I am in the insurance business, an independent agent and i don't sell RV Insurance.

I have my coverage with Gilbert RV Insurance and Mendota. I have found it to be the most compelete coverage, and at an attractive price.

If you are not getting REPLACEMENT coverage on your RV I THINK you are making a mistake.

OPPS this is reayy RMM not Mrs. Boomer.

If you buy RV insurance from a non-rv specialist I THINK you are making a mistake.

For what it is worth, my thoughts and opinions.
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Old 05-24-2005, 05:49 PM   #9
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Note to John Canfield, it is sad to hear that you chose to go with an automotive policy like State Farm. Go to RV.net and do search on "RBrogen" on his tremendous loose with State Farm on a new 05 Phaeton. I hope that you are wealthy and don't mind taking such a large financial chance. I personally am going to try Gilbert RV Insurance and get away from Progressive. Premiums through the roof. Happy RVing!!!!!
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Old 05-24-2005, 06:09 PM   #10
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Ron & Mrs FloridaBoomer are absolutely dead right-on. Any insurance agent (especially State Farm) that tells you (John Canfield) that if you suffer a total loss in the first year, has NO CLUE what they are talking about. A $200K motorhome off the showroom floor is going to lose at least $25K the moment you drive it off the dealers lot. By the time the insurance adjuster gets all through with you, you'll be darn lucky to see $150K as your "replacement" value. I'd sure look elsewhere or consider NEVER driving it till you get full-timers insurance! I just hope you can sleep well at night John!
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Old 05-25-2005, 01:59 PM   #11
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National Interstate Insurance Co. 1200.00 per year.
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