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06-04-2018, 11:21 AM
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#1
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Member
Join Date: Apr 2017
Location: Fenton Missouri
Posts: 44
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Best Insurance Company?
I am looking for opinions here. What kind of experience have you had with insurance companies for your travel trailer. Our home and auto is with State Farm and when we purchased our trailer, we did not shop around and we just went with State Farm so we could tow it off the lot. I recently discovered that policy has silently expired and am quickly working to correct that. (Kind of disappointed in the insurance company for not sending a renewal notice) Any feedback concerning cost, satisfaction with claims, etc.. would be much appreciated.
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06-04-2018, 12:07 PM
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#2
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Member
Join Date: Mar 2018
Location: St. Charles County, MO
Posts: 43
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We have Travelers ins with house and 3 cars. Added trailer for $400 a year. Premium depends on value of the trailer for our policy.
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06-04-2018, 12:42 PM
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#3
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Senior Member
Join Date: Jul 2009
Location: Warsaw,NC
Posts: 7,184
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We have Farm Bureau
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06-04-2018, 12:53 PM
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#4
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Senior Member
Join Date: Apr 2015
Location: Denver, NC
Posts: 2,628
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Switched last year from State Farm to Progressive they had the best combination of coverage and price for my needs.
__________________
2015 Ram 2500 CTD,CC,SB,4x4
2016 Rockwood 2703 Emerald Edition
Husky CenterLine TS Hitch
TST 507 TPMS
Progressive Industries EMS-PT30X
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06-04-2018, 03:03 PM
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#5
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Senior Member
Join Date: Apr 2011
Location: Splendora, Texas
Posts: 1,314
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The problem with many insurance company's, State Farm, is that they don't do replacement cost. They do ACV and if you owe more you have to make up the diffetence.
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06-04-2018, 03:42 PM
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#6
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Member
Join Date: Apr 2017
Location: Fenton Missouri
Posts: 44
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Quote:
Originally Posted by whj77372
The problem with many insurance company's, State Farm, is that they don't do replacement cost. They do ACV and if you owe more you have to make up the diffetence.
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Good point. Do you have experience with a company that will do replacement cost?
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06-04-2018, 03:48 PM
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#7
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Multi-Slacker
Join Date: Aug 2017
Location: SoCal
Posts: 2,279
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We found Progressive to have the best bang for the buck for our needs.
__________________
Safe Travels
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06-04-2018, 04:07 PM
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#8
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Love to Camp
Join Date: Jun 2018
Location: Freehold, NJ
Posts: 9
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We use Progressive as well.
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06-04-2018, 10:53 PM
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#9
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Member
Join Date: Feb 2017
Posts: 67
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We went with National General thru Good Sam have replacement coverage
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06-04-2018, 11:26 PM
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#10
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Member
Join Date: Aug 2016
Location: Salina, Oklahoma
Posts: 61
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Quote:
Originally Posted by Malojeer
We went with National General thru Good Sam have replacement coverage
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Same here.
__________________
I John 5:13
2007 Silverback 30LSTS
2006 F250 Super Duty Crew 6.0
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06-05-2018, 09:19 AM
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#11
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Senior Member
Join Date: Jun 2018
Location: Winston Salem NC
Posts: 10
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Progressive associated w/ USAA. Can reduce cost during winter nonuse if you call to notify them. I set the replacement cost.
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06-09-2018, 07:24 PM
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#12
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Senior Member
Join Date: Apr 2011
Location: Splendora, Texas
Posts: 1,314
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Good Sam has replacement value thru the company they use American General. Good Luck
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06-09-2018, 07:37 PM
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#13
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Senior Member
Join Date: Sep 2016
Location: Port Richey Florida
Posts: 640
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I been with State Farm for years with many diff RVs. I have always had replacement value on my policies. But State Farm covers no contents. My 2016 Shasta Flyte 185FQ is $221.00 a year. I have not found cheaper and I have looked.
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06-09-2018, 07:56 PM
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#14
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Member
Join Date: Sep 2017
Location: Versailles Missouri
Posts: 55
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I use State farm. I refinanced my camper with State farm and with any loan they write they include the gap insurance for free. And the rates were good too...
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06-11-2018, 02:54 PM
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#15
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Junior Member
Join Date: Jan 2018
Posts: 27
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Quote:
Originally Posted by Rollin Okie
Same here.
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So do we. Checked AAA and another and NG had the best deal. Going to check with Costco for everything. Will see if we can save anything that way.
Bill
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06-12-2018, 12:07 AM
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#16
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Senior Member
Join Date: Feb 2018
Location: Alaska
Posts: 1,181
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Everything else we have is through USAA. I just added the trailer to that. About $350 a year for mine.
__________________
2019 Silverado LTZ 1500 6.2L 10 Speed 3.42 Max Trailering Package
2018 Freedom Express 192RBS
2022 Highland Ridge Open Air Lite Range 17BH
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06-12-2018, 09:05 AM
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#17
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Senior Member
Join Date: Aug 2016
Posts: 420
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I have everything but the trailer through State Farm.
The trailer is through foremost. They are a division of farmers, call a farmers agent to get a quote. My parents agent was 20 percent less for the same plan compared to the phone quote directly from foremost.
I have 10 year replacement cost. The first 5 years if it is totaled they buy me a brand new model year. The rest of the years they right me a heck for what I paid for it. It also includes liability insurance for your camp site, personal items in the camper and some other stuff.
I pay $54 a month but I’m also a lot younger than most on here
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06-12-2018, 11:15 AM
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#18
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Member
Join Date: Apr 2017
Location: Fenton Missouri
Posts: 44
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Quote:
Originally Posted by quicky06
I have everything but the trailer through State Farm.
The trailer is through foremost. They are a division of farmers, call a farmers agent to get a quote. My parents agent was 20 percent less for the same plan compared to the phone quote directly from foremost.
I have 10 year replacement cost. The first 5 years if it is totaled they buy me a brand new model year. The rest of the years they right me a heck for what I paid for it. It also includes liability insurance for your camp site, personal items in the camper and some other stuff.
I pay $54 a month but I’m also a lot younger than most on here
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Thanks for the info... I will leave that "younger than most" statement be your battle though! We all feel young when using our camper. Mine is a bumper pull and I don't recall any insurance quotes having an age question associated with it.
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06-12-2018, 11:38 AM
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#19
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Senior Member
Join Date: Aug 2016
Posts: 420
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Quote:
Originally Posted by BigBear0216
Thanks for the info... I will leave that "younger than most" statement be your battle though! We all feel young when using our camper. Mine is a bumper pull and I don't recall any insurance quotes having an age question associated with it.
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Once you sign up for a policy they will ask for a date of birth.
When I got the plan a year ago I was under 30. Called hem and had hem re run it and my premium dropped 5 percent because I’m over 30 now.
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