RV News RVBusiness 2021 Top 10 RVs of the Year, plus 56 additional debuts and must-see units → ×

Thread Tools Display Modes
Old 08-12-2020, 11:44 AM   #1
Senior Member
Join Date: Dec 2018
Location: Florida
Posts: 123
Insurance on Class C

Any recommendation on good RV insurance for Class C. We currently have State Farm and not sure if we could do better or not. Anyone have any complaints that has actually had to put a claim in with State Farm? I feel I probably want to stay away from Nation General since they are related to Good Sam?

And is it worth the different in cost to go with the value or replacement value? And what difference in price would make it a good deal?
Forest River 2018 Sunseeker 2850SLE
shopinful is offline   Reply With Quote
Old 08-12-2020, 04:04 PM   #2
Senior Member
Join Date: May 2019
Posts: 1,320
The 2020 class C motorhome added on our car policy costs around $200 annually. If the particular insurance company (and state you live in) allows it, adding the RV to a car policy is probably less expensive than a standalone RV policy.

Insurance premium comparison between two parties is tricky. One party might pay 10 times what the other pays due to garaging location, claims experience, age, credit score, etc. It will take some effort, but I suggest contacting 5 to 10 companies and get comparison rates.

If the premium is reasonable, replacement cost coverage on a new unit is a good idea since RVs depreciate so rapidly.
2020 Sunseeker 2440DS Ford, Trekker cap, Topaz paint
BehindBars is offline   Reply With Quote
Old 08-15-2020, 07:53 PM   #3
Junior Member
CobraVin's Avatar
Join Date: Oct 2016
Location: Central NJ
Posts: 20
Our 2012 Sunseeker 2250s has been about $350 a year through Progressive. We have NJ Manufacturers for our cars but they won't cover rv's. I think Geico was about the same but I have Progressive for my motorcycle also so I just went with them. Everything is expensive in NJ.
2012 Sunseeker 2250
CobraVin is offline   Reply With Quote
Old 08-15-2020, 08:23 PM   #4
Senior Member
Join Date: Apr 2016
Location: Cedar Creek Lake, TX
Posts: 2,864
In Texas I'm paying almost $1,000 on a 5th wheel trailer with a $1,000 deductible! This is through Progressive, where I also insure two vehicles and two boats. Your rates sound incredibly low (and good!) to me.
Cedar Creek Lake, Texas
2019 Keystone Loredo 290SRL
2019 Ram 2500 4x4 Cummins crew cab
Andersen hitch
CedarCreekWoody is offline   Reply With Quote
Old 09-03-2020, 09:51 PM   #5
Senior Member
Join Date: Jul 2013
Posts: 103
I'm paying $280 a year from Progressive. It includes road side assistance. Also getting a discount because it's bundled with auto and home.
johnlantz is offline   Reply With Quote
Old 09-04-2020, 01:54 AM   #6
Senior Member
Join Date: Feb 2018
Location: TEXAS
Posts: 3,109
We went with Good Sam and National General because it was a new rig and they had a replacement policy. We had State Farm on our tt, but their rates went sky high. We put that tt on our National General policy for not a lot of money. We have State Farm for the cars.
2015 Dynamax REV 24TB class C
Reverse_snowbird is online now   Reply With Quote
Old 09-14-2020, 11:07 AM   #7
Junior Member
Join Date: Sep 2020
Posts: 4

We pay $629 for insurance. We are permanently parked on private property. Seems high to me.
mariawrn is offline   Reply With Quote
Old 09-29-2020, 05:58 PM   #8
Senior Member
Join Date: Jul 2015
Posts: 346
Buy insurance from a company that you can speak to a human quickly ! National General , it will take fifteen or twenty minutes to get thru their switchboard .
wanderingbob is online now   Reply With Quote
Old 09-29-2020, 06:28 PM   #9
Senior Member
Iggy's Avatar
Join Date: Jul 2010
Posts: 7,877
Please clarify what level of coverage you have.
Just talking dollars doesn't tell how much coverage you bought and how much is your accident damage coverage, deductable and medical as well as comprehensive as well as your age and state you live in.
Oh is the rig covered for replacment cost or bluebook value.
All this makes a big difference in cost.

My 2012 Georgetown in Arizona costs $800 a year.
I'm 70 years old and my cars are another companies policy.
50/100/50 with replacement cost (not bluebook) of the rig and I have $1000 deductable plus a lot more stuff on the policy. Glass replacement personal effects loss, etc.
GoodSams/National General
2012 Georgetown XL 378TS
Facebook Georgetown Owners Club
Iggy is offline   Reply With Quote
Old 09-29-2020, 06:36 PM   #10
Usually Confused Member
emm-dee's Avatar
Join Date: Nov 2015
Location: Georgia
Posts: 3,552
Contact FCIS agency in Forest City, IA. 800-331-1520. They have several folks there that specialize in all types of RV insurance. My rate is just over $900 a year but that’s for high liability numbers, $500 deductible, and full replacement value for the first five years. After that it pays the exact amount, including taxes, that I originally paid for the Forester. No depreciation ever.

Rate also includes zero deduct for windshield and awning replacement.
2018 Forester 3051S (aka Clyde)
2015 Wrangler Toad (aka Bonnie)

At some point during every day you suddenly realize nothing else productive is going to happen the rest of that day. For me, it usually occurs around 9 am.
emm-dee is online now   Reply With Quote
Old 09-29-2020, 07:05 PM   #11
Former Tanker
Join Date: Sep 2020
Location: South Texas
Posts: 11

I have all of my insurance at USAA, except lines they don't offer. They have negotiated with Progressive to lay off their RV risk. Before our (very recently purchased) Isata, we had two class As with them. The first one was destroyed completely when the storage facility where we kept it burned to the ground. Progressive handled the entire claim process, start to finish, painlessly. Our coverage was sufficiently comprehensive to allow us to replace the lost coach with a twin (hence the second class A).
X12AEsq is offline   Reply With Quote

class c, insurance

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

» Featured Campgrounds

Reviews provided by


This website is not affiliated with or endorsed by Forest River, Inc. or any of its affiliates. This is an independent, unofficial site.

All times are GMT -5. The time now is 06:17 PM.