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Old 05-09-2016, 03:19 PM   #1
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RV insurance cost?

Hope this isn't considered too personal, but I was wondering if people would be willing to share what they are paying for RV insurance. I know the cost varies according to coverage, but from what I am gathering, we are on the high side. I did get quotes from three different companies last year when we first shopped around.
We have a 2106 Roo 21SS. We don't full time. We pay $364/yr with a $500 deductible from Good Sam (Allied). We have comprehensive and collision, vanishing deductible, roadside assistance, awning coverage, replacement value. Anything else I'm forgetting to list?
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Old 05-09-2016, 04:03 PM   #2
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Sounds reasonable. What others pay is irrelevant since insurance amounts change in every state and every zip code within a state. What would matter to you is quotes from others companies for your trailer within similar coverages.


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Old 05-09-2016, 04:10 PM   #3
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Sounds reasonable. What others pay is irrelevant since insurance amounts change in every state and every zip code within a state. What would matter to you is quotes from others companies for your trailer within similar coverages.
This. My fulltimer insurance over TRIPLED when I switched from Maryland to Florida.
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Old 05-09-2016, 04:49 PM   #4
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I didn't realize this, especially since the whole point of having an RV is to travel to different states.
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Old 05-09-2016, 04:58 PM   #5
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I didn't realize this, especially since the whole point of having an RV is to travel to different states.

Where the RV is garaged (generally speaking: where your license address is) is what the rates are based on.
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Old 05-09-2016, 05:00 PM   #6
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You can travel to any state you want to. Doesn't affect your insurance cost. It is usually based on where it is stored when not using it.


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Old 05-09-2016, 05:49 PM   #7
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That's funny, because mine spends the most time at my brother's being stored when not in use ( a different state) but the insurance company didn't ask that.
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Old 05-10-2016, 11:09 AM   #8
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Check progressive....they're very RV friendly. At least here. Indiana


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Old 05-10-2016, 11:12 AM   #9
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Thanks. Progressive was almost $100 higher than Allied whom we went with.
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Old 05-10-2016, 11:33 AM   #10
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Suppose that may be why they're so RV friendly


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Old 05-10-2016, 08:35 PM   #11
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Wow I found progressive to be almost a hundred cheaper than Good Sam. But that's New Jersey.
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Old 05-10-2016, 08:52 PM   #12
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Progressive was more expensive for me in PA. Went with GS (National General).

All vehicles except motorcycle (Progressive on that one.) all full coverage full tort. 2007 Ford Focus, 2002 Ford F-150, and 2016 Grey Wolf 26rr.

I saved $900.00 a year over State Farm whom I was with for 35+ years. So much for giving loyal customers a break.
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Old 05-10-2016, 09:13 PM   #13
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We pay $245 per year with State Farm, $500 deductible.
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Old 05-12-2016, 04:02 PM   #14
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Especially for a new trailer, Progressive is the way to go. If your agent puts it on an auto policy, you're not getting the coverage that progressive offers.

I was a personal insurance agent for a long time. I've done my own insurance through my auto policy and through Progressive. I would not insure my travel trailer on an auto policy unless the trailer was older and had a low value. I'd have your agent look at it both ways and then make a decision on what suits you and your budget best.

That's my 2 cents anyway.
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Old 05-12-2016, 04:13 PM   #15
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Progressive was a couple hundred higher than my current State Farm. But coverage beat everyone, hands down. Disappearing deductibles........choose your own choice for amount of content coverage, up to $50,000 if you want......covers fire departments fees for coming to campsites!!! (check that with your carrier!)......full replacement coverage first 5 years.

All that meant something to me.

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Old 05-14-2016, 09:49 PM   #16
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We are in texas and pay similar. In october our camper was stolen and progressive was awesome! One thing i have now that i didnt realize you need is, contents coverage. Add that policy! All of our belongings inside the camper weren't covered. Camping stuff is not cheap to replace!
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Old 05-14-2016, 10:02 PM   #17
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Contents in the camper should be covered under home insurance, but, separate deductible has to be paid if you claim under the home.
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Old 06-11-2016, 06:50 AM   #18
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We're insured with AARP the Hartford. Insurance on our 2016 Roo 23ws.....$30.00 a year with a deductible of $500.00.
Our insurance cost for the year is $1100.00 (Three vehicles and one camper).
I asked my son-in-law (who works at Progressive), if he could beat that price and he said " No Way"
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Old 06-11-2016, 12:05 PM   #19
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Seriously, $30 a year? That's unbelievable.
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Old 06-11-2016, 02:17 PM   #20
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Be interesting to know what comes with the $30 year insurance. Replacement cost? Not insured unless hooked to tow vehicle?
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