Motorhome Insurance

[sharkbait]

After purchasing my first motorhome (Georgetown 341) I called up my insurance company of 39 years, USAA. After taking my information they suddenly said that they don't insure motorhomes, but that their "partner", Progressive will help me. (Why didn't they tell me that before I gave them all the info?) My claim history over the past 39 years has been good. The rate from Progressive for basic coverage w/$500 deductable is $1600/yr. This seems a little high. Is this a normal rate for a first time motorhome owner (I've had 4 5th wheels)? Can anyone recommend a good company with lower premiums?

[NWJeeper]

We had the same experience with Hartford, our auto insurance. They wanted $4000/yr for our motorhome. Our broker put a stop to that right away while we were on vacation and switched us over to Foremost insurance. We pay $115/mo with Foremost and so far they handled our claim for a new windshield very well. That comes out to $1380/yr for us on our 378TS

[sharkbait]

Also, any experience with or opinions about RV America Insurance Company? They quoted much lower.

[NWJeeper]

Originally Posted by sharkbait

Also, any experience with or opinions about RV America Insurance Company? They quoted much lower.

None here but how much lower is "much lower" I would be interested in saving money. Be sure to really compare coverage though to be sure of what you are getting.

[cfsoistman]

Our coach is covered by GEICO, they added the motorhome to the policy along with our cars. The premiums aren't bad. The wife knows the exact figures. They were excellent when I had to make a claim for damage. The agent met me at the shop, received the estimate for the repairs and had a check to the dealer within a few days.

[blake2727]

Mine is 300 a year but thats just for a travel trailer. Its with State Farm.

[bad1032]

Nationwide with everything else is 87.. a month for my 378ts

[powerboatr]

i use texas farm bureau

dropped from 1700 a year at allstate to
something like 65 per month
then i switched my car over and it dropped from 174 per month to 60.
home insurance stayed the same

i have no accidents ever and just 4 speeding tickets over a driving career of
30 years
funny thing is the speeding ticket i got in the last four years

[Los Popes]

Hi sharkbait,
I am also a USAA member and purchased my Georgetown 315 DS SE in Oct '09 brand new - and USAA did the same with me - took all my info then said they no longer insured RVs and did a hot transfer to a Progressive rep.

My annual rate is much less that your quote - I think it was between $500 and $600 - I want to say it was $565 for 12 months - but will have to go back and check my paperwork.

The experience so far with Progressive has been good - they recognize me as a USAA member when I called to ask a question. Have not had to file a claim through them yet - so no real world experience there. Although I did have someone back into my RV last Friday, see the Paint Code thread, so I may need to get them involved if she or her insurance doesn't pay.

Hope this helps.

[Los Popes]

Sharkbait,
I just went back and checked my records. My premium was $524 for 12 months with a $500 deductable. I have all the standard coverages including uninsured motorists, ect. I am not sure why your quote was so much higher, but you may want to let USAA know and hit Progressive up again for a requote.

Did you get the full body gold plating option over the full body paint option?

[ronhanson]

I just recently renewed with Progressive for $600/year