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Old 07-24-2017, 06:55 AM   #1
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Best RV Insurance

I need to renew my RV insurance and thought this would be a good time to look at what company has the better policy for the money.

I currently have mine thru Good Sam and have never made a claim so I don't know if its good or bad.

My thinking was to use a company that deals with RV's so if we did need to use it, they would have experience dealing with issues that being on the road involve.

So ... give me some ideas, your likes and dislikes.
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Old 07-24-2017, 07:02 AM   #2
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I moved our RV insurance (and vehicle insurance) to Good Sam several years ago with the purchase of a new fifth wheel. First two years no claims and only a slight increase the second year.

The third year I scraped a bumper and had it replaced. It was about a $1,800 claim and the following year my insurance TRIPLED for all vehicles. That's when I cancelled and moved back to my local Farm Bureau Insurance where I had been insured the previous 30+ years.

If you have Farm Bureau in your area I recommend you check with them. It requires an annual membership of $40 bucks or so (but you don't have to live on a farm) and there might be some good savings there.

Otherwise - cover your wallet if you ever file a claim with Good Sam.
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Old 07-24-2017, 08:54 AM   #3
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I use Foremost, never had a claim so not sure about their roadside or claim process, but since I full time, they are one of the few that will insure for full timers.
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Old 07-24-2017, 08:59 AM   #4
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Very dependent on your driving history, and location !
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Old 07-24-2017, 09:01 AM   #5
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I use State Farm and have for over 20 yrs. They cover everything and will let you set the value of your RV for coverage purposes. Rate is very competitive and has not changed much when renewals are due. Claims were paid fast and without hassle.
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Old 07-24-2017, 04:20 PM   #6
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I had the Good Sam Insurance for three vehicles and my 2015 Wildcat fiver, they were the best when I started about five years ago, they when up some each year until my granddaughter had two accidents then they raised the cost so much that I moved to Elephant at about 6o% of what Good Sam wanted and they gave me a one year policy. Good Luck
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Old 07-27-2017, 07:30 AM   #7
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State Farm....best service!
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Old 07-27-2017, 07:51 AM   #8
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We have Progressive, last ten years rates never increased, also had no claims. Check them out
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Old 07-27-2017, 08:00 AM   #9
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We have USAA and they are great.
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Old 07-27-2017, 08:22 AM   #10
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AAA adds a 30% surcharge after the first claim for 3 years and then a 70% surcharge for the second claim. Don't start a claim until you know for sure you what to claim it. I started a claim and then had it paid a different way only have it as a chargeable claim. Rates went up!!!
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Old 07-27-2017, 09:47 AM   #11
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I use State Farm to cover house, vehicles, RV, and even have an extra liability umbrella policy with them. With all the discounts for longevity, collateral insurance, driving/claim history, anytime I go shopping all the quotes would cost me more.

In my opinion (and it's only mine), all the "Club" insurance policies are only attractive until you make your first claim. The more insurance you have through one company, the lower your collective cost will be. Less chance of massive rate increases when you make a claim because the company looks at your overall "value" to them.
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Old 07-27-2017, 04:57 PM   #12
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Thanks for all of the good information.

I currently have State Farm for cars, homeowners, etc. so I decided to go with them based on the replies.

Thanks again.
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Old 07-27-2017, 11:31 PM   #13
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We have GEICO never really thought about it until a few weeks ago when we were on our 30-day trip. Since all our vehicles are insured with GEICO figured it would be easier to have the same company if ever needed it's only one delectable VS having two different insurance companies. On another note, I need to go thru the policy line by line because I have no idea how it handles personal possessions, loss of use etc.
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Old 08-23-2017, 03:14 AM   #14
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State Farm!
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Old 08-23-2017, 03:45 AM   #15
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We've got Progessive. I believe it is one of the few that cover full time RVers.
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Old 10-18-2018, 01:35 PM   #16
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Insuring my first RV, new, purchase price $17,600. Using my primary insurer, New Jersey Manufacture's (NJM), great company. My annual premium will be $277 with 500 comp/collision deductible, which I chose. This seems agreeable.
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Old 10-18-2018, 01:51 PM   #17
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Check out the RV policy offered by Progressive. After the full replacement period ends they will still pay you the full purchase price if unit is totaled. Our 5th wheel has been with them for 13 years. When we were rear ended back in 06 out of state, they provided weekly updates on repair progress even though the claim was against the other insurance company. When our awning bracket was bent due to high wind they immediately approved for repair. By the way, our vehicles and home are covered my AAA, but like most insurance companies they don’t offer a good RV policy.
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Old 10-18-2018, 01:56 PM   #18
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I use an Insurance Broker that is not affiliated with an insurance Company to help me find the lowest rates with the best coverage. I have been with Progressive for one year now and just paid my premium for the second year if there is a better deal out there I will switch next year I have no loyalty to any Company.
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Old 10-18-2018, 02:16 PM   #19
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I will call Progressive as well, seems the consensus is they do well by RVers.
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Old 10-18-2018, 02:31 PM   #20
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Wow! I love this forum. Progressive came in at 238 bucks annually, 39 bucks lower than my regular company, and a whole lot of nice perks!!!! Thank you my fellow RVers!!!!
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