We found out long ago Nationwide is not on your side,..... and Farmers will drop you like a rock after two not at fault claims paid by the at fault parties insurance, even after 25 years of payments with no claims.
We have Progressive for the toys, a permanently parked trailer, motorcycle and boat.
We had Progressive when we had a motorhome. We had a claim on the motorhome but Progressive handled it well, even found a shop that could repair the gelcoat/fiberglass on the MH. We have State Farm for our home and everyday drivers. Our experience was that State Farm wasn't interested in insuring the toys and quoted them high. Our seasonal trailer (permanently parked on land we own), is hard piped into the septic and it is insured like a park model or, mobile home. We had to prove that we weren't towing the trailer and our rates are reasonable.
USAA currently will not insure motor homes. They will insure tow ables. Just make sure the Rep knows your "RV" is a trailer so you don't get transferred. If you have a motor home the USAA rep will transfer you to their "partner" Progressive for insurance. The Progressive "partner" quote wasn't very good...
Allstate worked out the best for us on our motor home. But their are a lot of variables so no two cases may come out the same. Just call everyone and get comparable quotes...it pays to shop around.
Good Sam couldn't come close to my USAA-Progressive rate, it actually went down last year.
Just a quick update from the thread starter. While we couldn't move our Allied policy to another company we did end up going with Nationwide. The primary reason was that Allstate does not handle RVs at all. We did bundle our policies together and ended up saving a good bit on premiums even with a teen driver in the house. Allstate was always good to us and handled multiple claims over the 20 years we had them The claims were spread between house and car, all no fault claims, and Allstate never bumped our rates.
What I have found over the years is most all Ins. COs will give you a good rate to start,,, then bump the rate back up over a 2 or 3 year period,,, so you are right back where you started,,, and it is time to go shopping again !!!
Trying to be loyal to an INS. Co will cost you $$$