Insurance

[Nightryder]

Hello, can someone point me to a good Rv insurance, i am been shopping around but seems to be a little complicated, thanks

[A32Deuce]

So far very happy with Progressive. Had a claim and it went very smoothly with no increase in bill.

[BehindBars]

Originally Posted by Nightryder

Hello, can someone point me to a good Rv insurance, i am been shopping around but seems to be a little complicated, thanks

Use the search feature in the upper right corner to find dozens of threads already discussing insurance.

Since insurance is based on many personal factors, what works great for one person could be a very bad deal for another. Go get 10 or more quotes and chose the best rate for your personal situation. Also be prepared to get new quotes every few years and switch companies if necessary to keep your rates low.

If this thread continues, expect to see recommendations for 20 different companies, and in the end you’ll be no closer to deciding than you are now.

[D W]

One of the things to be concerned with when eyeing insurance policies is whether a total loss stipulates:

1. Actual Cash Value (ACV)

or

2. Actual Replacement Cost (ARC)

There is a big difference in the two!

[Nightryder]

Thanks, seems like home work needs to be done and hope to get the best results to my interest

[Nightryder]

Thanks

[babock]

If you have a trailer and are eligible for USAA, they are the cheapest I have found.

[oxcamper]

We have Allstate, not too expensive, and they did a good job for us. I would check them out.

November 2018 our camper was at a campground in SW Ohio when severe storms caused extensive damage to our roof. One branch speared through our slide topper and penetrated the slide roof above the dining room table, another through the kitchen roof.

After documenting with photos, I cleaned off the debris, patched all the holes in the roof (using 3 rolls of Flex Tape, and ranging from pin pricks to 1/4" - 1" branches and sticks penetrating the rubber) put the cover on trailer, and called my insurance agent. I couldn't move the trailer out until early spring of 2019, and Allstate said that's fine, take it in when you can. I hauled the unit as soon as I could to our dealer, they inspected it and contacted the insurance. Allstate said they will let the dealer decide what needs to be done.

Bottom line is the whole roof needed replaced because there were so many holes. They estimated replacing the slide roof, slide topper, put in new interior roof panels, the plastic covers for the refridgerator vent , air conditioner, as well as a whole new exterior roof; and the insurance said OK. Then when they were actually started the work and peeled off the old rubber roof, a whole section of the underlayment on the back was soaking wet and had to be completely redone. The dealer submitted that to the insurance, and they just said OK, fix it.

Surprisingly the trailer was in the shop for only 5 weeks from the time I dropped it off to the time it was fixed. Total repair cost was $14,000+. My cost: $250 deductible.

Oh and my insurance rate? didn't go up one penny.