Originally Posted by D2LLIO
My wife and I are picking up our first Airstream from a private seller next week (2015 Flying Cloud 25 Twin). I wanted to see which insurance companies you experienced Airstreamers would recommended. My current home/auto insurance company does not offer RV/Airstream insurance coverage. Rather than taking a chance by blindly picking one online, I thought it best to ask all of you folks if there are companies you'd recommend for insuring Airstreams.
Our recommendations would be meaningless unless we live in Texas as you do. Insurance varies by state, even for nationwide insurance companies. So the best for any one of us might not be the best for you.
blindly pick one. But don't take our word for which is best, either. We can recommend agencies to contact, but only you can get your own quotes and only you can pick the one you like best.
Three things to look for:
1 - Discounts. Ask every company about every
discount the offer. Good Sam. AARP. Multi-vehicle. Whatever. If you don't ask about it they may not offer it to you.
2 - Total Replacement coverage. For a new RV, you can often get complete replacement in the first five years, meaning that if it's totaled, they buy you a new one and call it even. After five years it would switch to agreed value, at a value equal to what you paid, not including TTL.
3 - Contents rider. Estimate how much money you will put into the things you carry on your trips, and make sure contents coverage matches that value. Covers everything not permanently attached, such as laptop computers.
Here in Louisiana, I insure both
of my vehicles with Progressive, because Progressive's already reasonable RV insurance was made even more reasonable with a multi-vehicle discount.