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Old 02-23-2012, 09:31 PM   #31
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Originally Posted by Malco View Post
That sucks.The three legal thieves; Tax man,Bankers and Insurance companies.

And don't forget Lawyers.....they take your money even if they don't win your case!!!!!
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Old 02-24-2012, 05:09 PM   #32
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Originally Posted by Glockfanjohn

I don't understand why anyone would want to buy an extra insurance policy that you don't need. I get total coverage for literally $91 a year. I guess to each their own and if it makes them feel all warm a fuzzy then that's ok. Personally I would rather spend that money on gas and take the family on a nice trip.
Well...let's see. My deductible on my camper insurance is lower. My TT is NOT covered by my auto insurance policy except for any damage my TT does to another vehicle or property. That means it's not covered for theft, fire, comprehensive, collision. It also has a very nice roadside assistance clause, diminishing deductible and FULL replacement within the first 4 years. That means they'll buy me a brand new camper, the current model, if mine is totaled. So I'll pay the $20-some bucks a month for that.
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Old 02-24-2012, 06:00 PM   #33
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I think you missenturped my statement. If you read the post that you took offence to you can see the word "EXTRA" policy. What I was implying is that some people may be doubling up on insurance that is not needed. If you or anyone else does not get the same coverage as we (we= the people of Ohio) I think you should buy an extra policy(I know I would). I think everyone should call their insurance agent and find out exactly what they are covered for. Most insurance agents would rather sell an extra policy rather than to volunteer info.
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Old 02-28-2012, 08:08 PM   #34
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We added it to our automobile insurance. If we didn't add it, it was still covered for liability (if we damaged someone else's property) but we added it to our policy so we could get comprehensive which covers fire, theft, and vandalism & collision (if we are in an accident it will pay to fix our RV). It's only $86/yr.
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Old 02-28-2012, 08:44 PM   #35
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Originally Posted by forrestbeagle View Post
We added it to our automobile insurance. If we didn't add it, it was still covered for liability (if we damaged someone else's property) but we added it to our policy so we could get comprehensive which covers fire, theft, and vandalism & collision (if we are in an accident it will pay to fix our RV). It's only $86/yr.

I had to add it to my auto policy also. It cost me $91 per year. Others unfortunately dont get the same benifit as we do and have to buy and actual RV policy that runs alot more than what we have to pay to be totally covered.
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Old 02-28-2012, 09:16 PM   #36
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Okay, after many quotes and a lot of wild ones like 2 - 3 times higher prices I have settles on Mercury Ins. They were way better than a lot and lowest of all. I used an insurance broker to do the searching along with all the quotes I was receiving. AARP was not in the running at all nor was AAA or Good Sam. In fact they were all considerably higher. I have had experience with Mercury in the past and have found them to be good in answering calls and responding to questions. Some insurance companies don't even answer phone calls. I got so tired of being put on hold after going through the answering machine ques. Also very tired of filling out online questions only to be told to call a toll free number that no one answered.
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Old 02-28-2012, 09:18 PM   #37
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Since reading this thread I started to do some research on my RV policy with Allstate which turned up some questions. I checked with the Auto Club and also waiting for Farmers to email the information to review. I do intend on checking on a couple of the popular RV companies too so I can compare them all.

After I get this taken care of I will start reviewing options for roadside assistance next to determine what I have vs what I need.

This is a great thread!
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Old 02-28-2012, 09:42 PM   #38
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Since reading this thread I started to do some research on my RV policy with Allstate which turned up some questions. I checked with the Auto Club and also waiting for Farmers to email the information to review. I do intend on checking on a couple of the popular RV companies too so I can compare them all.

After I get this taken care of I will start reviewing options for roadside assistance next to determine what I have vs what I need.

This is a great thread!
For road side assistance in California I chose AAA Premier membership. The Forest River covers road service for the first year but has a $75 deductible I believe. The AAA Premier was $79 a year and covers windshield replacement on the TV with a $50 deductible which seemed pretty good considering the cost of windshield replacement these days.
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Old 02-28-2012, 11:40 PM   #39
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For road side assistance in California I chose AAA Premier membership. The Forest River covers road service for the first year but has a $75 deductible I believe. The AAA Premier was $79 a year and covers windshield replacement on the TV with a $50 deductible which seemed pretty good considering the cost of windshield replacement these days.
The downside to AAA is that I ended upgrading my auto roadside coverage so that the truck could be towed along with the trailer if need be and this cost a lot more than I would like to pay. Before the upgrade the truck was only covered for something like 8 or 12 miles for towing. Wouldn't the auto policy cover the TV windshield replacement?
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