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Old 09-15-2012, 10:16 PM   #1
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Fifth Wheel Insurance Cost

Looking for a general answer as I know differences in policy will vary cost...

Who's your preferred insurance provider and approximately what's your annual policy cost?
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Old 09-16-2012, 05:21 AM   #2
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Old 09-16-2012, 06:58 AM   #3
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I'd like to know this and what kind of coverage do you carry with your agent?
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Old 09-16-2012, 07:07 AM   #4
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For 10 years my RV insurance was with Farm Bureau Insurance (along with my automobile coverage for 32 years total). When we purchased our new fifth wheel, Farm Bureau promptly more than doubled my coverage. Their explanation...they really didn't want to get into covering RVs over $40K in value.

So - I checked around and found Good Sam coverage and moved, and have since moved my automobile polices over too.

Now I get better coverage (replacement value) and I get both vehicles, plus the RV covered for just a bit less than what I was paying for automobiles only with my other provider.
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Old 09-16-2012, 09:23 AM   #5
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I've been searching as well for coverage. Found out that USAA doesn't directly cover RV's and transfers you to their prefered carrier Progressive. They quoted us about $550/year. I then checked out Geico online quotes...to the tune of $470/year for similiar coverage. Finally went to Good Sam's coverage, thru their prefered provider GMAC; who had the best rate (for similiar coverage) of $425/year.

Haven't committed yet; as our unit is still in production too.
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Old 09-16-2012, 09:59 AM   #6
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Quote:
Originally Posted by ralphieadie
I've been searching as well for coverage. Found out that USAA doesn't directly cover RV's and transfers you to their prefered carrier Progressive. They quoted us about $550/year. I then checked out Geico online quotes...to the tune of $470/year for similiar coverage. Finally went to Good Sam's coverage, thru their prefered provider GMAC; who had the best rate (for similiar coverage) of $425/year.

Haven't committed yet; as our unit is still in production too.
Your auto insurance company won't insure it cheap ?
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Old 09-16-2012, 10:22 AM   #7
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Originally Posted by f1100turbo View Post
Your auto insurance company won't insure it cheap ?
We are insured by USAA, who don't directly insure RV's.
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Old 09-16-2012, 10:26 AM   #8
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Quote:
Originally Posted by ralphieadie

We are insured by USAA, who don't directly insure RV's.
I'd be switching companies imo
If my insurance company couldn't insure my everything I'd find someone who did.
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Old 09-16-2012, 10:29 AM   #9
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I have had Travelers for years for my vehicles. Added my xlr 27 ft toy hauler fir $110/ year. Fill coverage.
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Old 09-16-2012, 11:14 AM   #10
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Quote:
Originally Posted by ralphieadie

We are insured by USAA, who don't directly insure RV's.
USAA doesn't insure Motorhomes or popups. They do insure Travel Trailers and 5vers. I have mine through them.
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