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Old 12-03-2015, 10:35 PM   #11
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Thanks for the feedback guys. I've scheduled a call with my agent tomorrow to ask some questions. We may end up changing our deductible to $500 which would drop the payment some.

But yeah I never thought about replacement value vs cash value. We paid $21,500 for it but with way campers devalue, it would be something worth asking.

And yeah, I have been with IN Farm Bureau since 2008 and have been happy with them.
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Old 12-03-2015, 10:54 PM   #12
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I HIGHLY recommend Farm Bureau!

I looked them up to get a quote, they are only in 8 states and PA is not one of them. The OP is from Indiana and I don't think that's one either. That sucks. I like getting quotes.

Is this the correct website? you enter farm bureau and get a million hits.
https://www.fbfs.com/
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Old 12-03-2015, 11:06 PM   #13
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Originally Posted by Mr Havercamp View Post
I looked them up to get a quote, they are only in 8 states and PA is not one of them. The OP is from Indiana and I don't think that's one either. That sucks. I like getting quotes.

Is this the correct website? you enter farm bureau and get a million hits.
https://www.fbfs.com/
Op stated in original post he had Indiana farm bureau.
Thats thier financial site you have listed. I've used it before for an auto loan and we currently use for our credit card.

I thought every state had them, maybe not. I've seen in Oklahoma, Arkansas, Illinois, Kansas, Texas, Tennessee, Missouri, Florida.
I don't know for sure about all the states but i did find Pennsylvania has them too. I googled - farm bureau insurance Pennsylvania and this is what i pulled up. Sorry i dont know how to do a web link on a phone
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Old 12-03-2015, 11:16 PM   #14
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Originally Posted by Shanks12 View Post
Thanks for the feedback guys. I've scheduled a call with my agent tomorrow to ask some questions. We may end up changing our deductible to $500 which would drop the payment some.

But yeah I never thought about replacement value vs cash value. We paid $21,500 for it but with way campers devalue, it would be something worth asking.

And yeah, I have been with IN Farm Bureau since 2008 and have been happy with them.
We have the " cash value "as you put it just like most vehicles are insured as. Its basically the fair market value of the vehicle, or what an equivalent vehicle or trailer is selling for. You will pay more for "replacement value" insurance, but its what ever you want to do.

Me personally, i put enough down on my campers so i dont have to worry about gap insurance or if insurance is going to pay off what i owe, because they will, plus more. But thats just me, but i guess a few other folks have replacement value insurance and see a need for it.
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Old 12-03-2015, 11:22 PM   #15
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Op stated in original post he had Indiana farm bureau.
Thats thier financial site you have listed. I've used it before for an auto loan and we currently use for our credit card.

I thought every state had them, maybe not. I've seen in Oklahoma, Arkansas, Illinois, Kansas, Texas, Tennessee, Missouri, Florida.
I don't know for sure about all the states but i did find Pennsylvania has them too. I googled - farm bureau insurance Pennsylvania and this is what i pulled up. Sorry i dont know how to do a web link on a phone
Sorry, apon further review of that site for penn farm bureau, it appears that if you are a member you get a discounted rate thru nation wide insurance. Im sorry for the confusion, i should have looked thru the site better
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Old 12-03-2015, 11:24 PM   #16
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I thought every state had them, maybe not. I've seen in Oklahoma, Arkansas, Illinois, Kansas, Texas, Tennessee, Missouri, Florida.
I don't know for sure about all the states but i did find Pennsylvania has them too. I googled - farm bureau insurance Pennsylvania and this is what i pulled up. Sorry i dont know how to do a web link on a phone
Thanks anyway Millertime, but thats literally the PA Farm Bureau
Lots of info on chickens, pigs, and corn. Now look what you have done, I'm hungry.

Looks to be a lot of companys out there going by farm bureau though for insurance that are in no way connected to each other.
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Old 12-03-2015, 11:26 PM   #17
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Thanks anyway Millertime, but thats literally the PA Farm Bureau
Lots of info on chickens, pigs, and corn. Now look what you have done, I'm hungry.

Looks to be a lot of companys out there going by farm bureau though for insurance that are in no way connected to each other.
Lol ...sorry!
I realized that...up one post from your last
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Old 12-04-2015, 12:19 AM   #18
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We have the " cash value "as you put it just like most vehicles are insured as. Its basically the fair market value of the vehicle, or what an equivalent vehicle or trailer is selling for. You will pay more for "replacement value" insurance, but its what ever you want to do.

Me personally, i put enough down on my campers so i dont have to worry about gap insurance or if insurance is going to pay off what i owe, because they will, plus more. But thats just me, but i guess a few other folks have replacement value insurance and see a need for it.
Yeah, that is something to think about. We did put down 20% so not sure if GAP would be worth it or not. Will talk with my agent tomorrow and see what all he has to say. - Thanks for the information.
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Old 12-07-2015, 04:16 PM   #19
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Too each his own but if replacement coverage is not chosen one would get the current market value. RV's depreciate so quickly I don't see how one could not be faced with a huge deficit when buying another.
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Old 12-08-2015, 02:23 AM   #20
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I have, had a 2014 Wildwood 27RKSS snf iy wass recently totaled in an accident with a 18 wheeler. He wanted the lane I was in. Back on point. I carry Allstate full coverage. The policy shows $29,000 or ACV. That's the problem. The ins co wants to only pay$18,000 for my TT (ACV)_ I know it's worth about $26,or $27K. Be careful with them putting ACV on your policy.
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