INSURANCE CO.

[matsuchuck]

INSURANCE??? Who To Insure With , Best ,Cheapest, Any Advice!!!!(94 MCI 102-D)

[tekebird]

I use state farm, includes towing and my assigned value

[H3Jim]

Lots of options  think.  I've been with State Farm for many years, and they had a deal where they would insure my "RV" for a year  for 1/2 price, if I had my other insurance with them.  I ahve an agreed on value, but I really need to get an independant appraisal when I am finished converting. Over the years I have been very happy with them.  I had a claim against a neighbor when I  was injured due to their fault several years ago, and they had State Farm.  They have ALWAYS paid fairly and promptly.

Posts on this topic over the years, stress the importance of getting an independant appraisal to go  along with an agreed upon value.  Otherwise you may be in for a nasty surprise if you ever have a claim.

The towing part of state farm is not good in my opinion.  Its better than nothing, but  all they do is reimburse you if you submit a bill and everything is in order.  When I am on the road, and something bad happens at dark o'clock in a strange part of the country, I need more help than that.  I have FMCA for towing, but Good Sam is similar in their approach.  They find the right guy and send him out, and they pay his bill.  ITs worth the duplicate coverage for me, the towing is less than $100 a year, and all it takes is once and you'd be happy to pay many times that.

[Nick Badame Refrig/ACC]

Hi matsuchuck,

Welcome!

Who ever you inquire about insurance with, Just ask them if they will insure "Replacement Value" if they don't, try the next co.

You will be surprized how many don't. In reality, tipical RV's loose value quicker then a rain shower in Florida.  Our bus conversions

are not "easy come easy go" thinking. We will put alot of sweat equity into them and it would be assureing to know it's protected.

Usually, insurance co.'s that are geared tward RV's are your best bet.

Good Luck
Nick-

[Eagle]

Give AON a call at 800-521-2942 they are agents for a lot of companies but specialize in RVs and Conversion Coaches.  They insured my coach on an agreed on value through National Interstate Insurance Co.

[TomC]

One important point- I could have had AAA insure my bus for liability and property, but they would not insure the bus for theft or damage.  What's more, most insurance companies are just giving normal car type insurance. 
I am insured with AON with Progressive that is an RV policy.  In that it covers RV type damages that would not normally be covered by other insurance companies. 
Would also suggest getting supplimental tow insurance from Family Motor Coach or Good Sam.  I have Good Sam tow and recently had to have the bus towed.  By my choice I decided to take it to a further shop so I had to pay the extra $115.00.  Without Good Sam the tow would have been $725.00.  Good Luck, TomC

[Nick Badame Refrig/ACC]

Hay Tom,

I have the exact same companys as you, Aon and Good Sam towing.

The Aon policy has the diminishing deductable that I like too.

It took alot of effort to complete the appraisal but, well worth it.

Nick-

[LegalEagle82]

I stayed with our house coverage which is Allstate.
It covered everything, broken glass from a rock,
awnings blowing off in the wind etc.
I added towing for $10.00 extra per year, but it only covers $250 per incident with unlimited use throughout the year.  How could I say no.    With good sam coverage, I should be able to be towed where ever I want to go with no out of pocket costs.   Seems to be in range with others at about $500.00 per year.

You can save some, or pay more.  But this is pretty good coverage.

[m-werx]

Hi any one willing to to tell what their insurance cost is, i know age & value also driving record come into this, but just had quote over $4000.1981prevost ,driver over 60 no claims or tickets full timers,any thoughts? thanks Darren.

[H3Jim]

I think I pay about $650 a year, full coverage.  I'm 56, no tickets, no accidents, State farm.  I think their normal rate is twice that, but they insure for half because I have evreything else with them too. $150,000 agreed value.

[Eagle]

Age 69, Clean driving record, $150,000 Agreed value, Liability $500,000 CC,  $1000 deductible with depreciating deductible and Full coverage, registered in Clearwater Florida.  This is with National Interstate Insurance Co. Through Aon Agency.  Premium yearly $1232.00

[tekebird]

37 years old,
1959 4104 agreed value 50k........300,000 Liability full coverage 250.00 deductable................357.00 year

State Farm

1975   MC-8 agreed value 150k...1,000,000 Liability Full coverage 250.00 deductable.................800.00 yr

State Farm

[m-werx]

Hi tried statefarm no fulltime cover,progressive $4800, interstate no cover before 1987,waiting to hear from allstate. Darren.

[tekebird]

no reason to tell them you are full timers, and they have no reason to ask what your itinerary has been if you have a claim.

[belfert]

As a fulltimer, you most likely would not own any property with homeowner's insurance.  Without homeowner's insurance you no longer have coverage for liability like a visitor slipping on your steps or such.  There are companies that write fulltimer poilcies that include similiar liability coverage to a homeowner's policy.

Brian Elfert