Reply
 
Thread Tools Search this Thread Display Modes
 
Old 12-14-2010, 09:32 PM   #1
3 Rivet Member
 
KerriO's Avatar
 
2008 27' International CCD FB
Bay Area , California
Join Date: May 2007
Posts: 159
Best coverage for used but newish?

We will be picking up our used 2008 International within the month and are trying to figure out everything we need in terms of insurance.

We'll be full-timing and it's crucial that if the thing were ever (g-d forbid) totaled, that we could recoup as much as possible. Definitely willing to pay a higher premium for that peace if mind.

From what I understand, replacement value won't be an option since it's used (even though it's less than 3-4 years old). Is that correct? Is it then important that we go w/ a company that does the "agreed value"? It sounds like Progressive is no longer offering this -- who else does?

Also, how long is that agreed value good for until you have to re-negotiate/prove a new one due to depreciation?

We will want to add on full-timers insurance a few months later, so are trying to find a company that also offers that.
__________________

__________________
[[ Captain's Log ]] Our full-time journey in our 27'FB International
KerriO is offline   Reply With Quote
Old 12-14-2010, 09:39 PM   #2
Rivet Master
 
dznf0g's Avatar

 
2007 30' Classic
Oswego , Illinois
Join Date: Jul 2010
Posts: 9,403
Images: 5
I bought a 3 year old unit last summer and Progressive insured for the amount of the purchase when I provided the bill of sale.

I would say I will be asking for a review of value vs/premium every year. Since these a comprehensive/collision policy (no liability), the premium should theoretically drop some each year. Pays to shop around every once in awhile.
__________________

__________________
dznf0g is offline   Reply With Quote
Old 12-14-2010, 11:14 PM   #3
Moderator
 
blmitch5's Avatar

 
2006 19' International CCD
Olathe , Kansas
Join Date: Oct 2009
Posts: 4,221
Images: 1
I bought Blue Sky RV insurance and they will pay me the purchase price for two years. The campground liability is also a great price. Call or check them out online. Very good price and customer service.

http://www.blueskyrvinsurance.com
__________________
Get involved and sign up for a Rally!
http://www.airforums.com/forums/calendar.php
WBCCI 4973
blmitch5 is offline   Reply With Quote
Old 12-15-2010, 02:05 PM   #4
Rivet Master
 
Aviator's Avatar

 
1997 34' Limited
1970 27' Overlander
South of Atlanta , Georgia
Join Date: Sep 2009
Posts: 1,655
Images: 2
I got a new Progressive agreed-value policy about three months ago on our 1997. I think it continues to be available.
__________________
Craig and Carol
1997 34' Excella 1000
1970 27' Overlander, International
2009 Ford F150 5.4L
ProPride hitch with 1400# bars

AIR 41028
TAC GA-8
WBCCI 10199
Past President Southeastern Camping Unit (12)
Aviator is offline   Reply With Quote
Old 12-15-2010, 02:38 PM   #5
Rivet Master
 
Jim Foster's Avatar
 
1965 17' Caravel
1983 27' Excella
Walnut Grove/Laguna Woods , California
Join Date: Jun 2004
Posts: 1,615
Send a message via Yahoo to Jim Foster
We have both trailers insured with AAA.

In 2002 we were pulling the Caravel down the California coast on Hwy 101. Just north of Santa Barbara the axle broke on the street side, the wheel came off damaging the left side of the trailer, and damaging two cars.

All was taken care of by AAA, the side of the trailer, new axle, damage to both cars, and towing of the trailer to a friends home in Santa Barbara. I don't know what the total bill came to, but I'm sure it was a bunch.

After all was settled, they sent me a check for $150 because I had installed the new axle myself and then towed the trailer to a facility in Bellflower for the body repair. I didn't even ask them for that.
__________________
Past President, El Camino Real Unit WBCCI#6620
Street Rod Builder (see avatar)
Kite flier (check out links below)
http://www.youtube.com/my_videos?feature=mhee
https://www.youtube.com/watch?v=6y1_U2XQ0bI
Jim Foster is offline   Reply With Quote
Old 12-15-2010, 05:07 PM   #6
Rivet Master
 
funkill's Avatar

 
1973 27' Overlander
reno , NV
Join Date: Aug 2008
Posts: 1,447
Images: 27
Google "insurance" on the Search function in this site - you will find other options.

I have Progressive but it took some work. My local agents said it was not available and, after a couple calls directly to Progressive, I received an agreed value policy. Used it once just months after getting the policy and was really impressed with the service. And, to date, no price increase. Actually - I received a price decrease (though very minimal) this year.

Laura
__________________
funkill is offline   Reply With Quote
Old 12-15-2010, 08:13 PM   #7
3 Rivet Member
 
KerriO's Avatar
 
2008 27' International CCD FB
Bay Area , California
Join Date: May 2007
Posts: 159
Thanks for the feedback, all. I guess I should still look into Progressive, as they do still have "agreed value" policies. Great to know. I'm looking directly, anyway, not through an agent. I got a quote from Foremost yesterday, based on feedback on them in other threads here. I'm also waiting on a quote from the company that currently does our auto and home insurance through Costco, but I don't think they'll be ideal for RVs, especially once we add on Full-timers insurance. I'll post back on how everything compares, though.
__________________
KerriO is offline   Reply With Quote
Old 12-16-2010, 11:39 AM   #8
3 Rivet Member
 
KerriO's Avatar
 
2008 27' International CCD FB
Bay Area , California
Join Date: May 2007
Posts: 159
Just wanted to report back that Progressive would *not* give us agreed value for our '08. I spoke with a Progressive rep directly (not an agent), and to told me that they would only offer this for older trailers, or trailers where significant improvements had been made. I explained to him that book value/NADA value was not accurate for airstreams, and I'd be happy to provide whatever proof and comps were needed to establish value, but he was adamant that it would just not happen.

I'm still waiting on a quote back from the insurance we already use for home/auto (Ameriprise), and I'm going to give Blue Sky a shot.

Anyone else aware of any other agencies that might offer agreed value or purchase value policies?

ETA: I can't find a single account of anyone who has had to file a claim with Blue Sky. There is so little info about them out there. But I do like their options. Hmm…
__________________
KerriO is offline   Reply With Quote
Old 01-16-2011, 10:51 PM   #9
Moderator
 
blmitch5's Avatar

 
2006 19' International CCD
Olathe , Kansas
Join Date: Oct 2009
Posts: 4,221
Images: 1
Who did you go with? Just curious.
__________________
Get involved and sign up for a Rally!
http://www.airforums.com/forums/calendar.php
WBCCI 4973
blmitch5 is offline   Reply With Quote
Old 01-19-2011, 12:34 AM   #10
3 Rivet Member
 
KerriO's Avatar
 
2008 27' International CCD FB
Bay Area , California
Join Date: May 2007
Posts: 159
We ended up with Blue Sky. Very friendly and efficient thus far. Hopefully we won't have to report back how they handle a claim any time soon! I never was able to find any feedback regarding their claims handling, but the purchase price coverage agreement sealed the deal for me.
__________________
[[ Captain's Log ]] Our full-time journey in our 27'FB International
KerriO is offline   Reply With Quote
Old 01-19-2011, 05:18 PM   #11
4 Rivet Member
 
Join Date: Aug 2002
Posts: 345
Depends on who you talk to....

Progressive agents don't all have the same story. I went thru the same statements months ago and found it definitely takes getting to the right person to get the agreed value statement.

But mine is a 1990 unit. There was no indication that this was available *just* on older units (and what is that definition?).

I still have not got my appraisal letter with comps done yet. Will try to get that with *solds* done in the last year to support as comps. It cannot be just what people are asking for theirs (obviously you can ask what you want- but what it sells for should be market, esp for an average).

Any other ideas would be appreciated....

Steve in Sav'h
__________________
Sav'h Steve is offline   Reply With Quote
Old 01-20-2011, 03:53 PM   #12
New Member
 
1991 25' Excella
Wapakoneta , Ohio
Join Date: Jan 2010
Posts: 1
Allied Ins. is who I just bought a policy from for a reconditioned 1991 AS
__________________
hdjohn is offline   Reply With Quote
Old 01-23-2011, 01:13 PM   #13
4 Rivet Member
 
UAPachyderm's Avatar
 
2004 28' International CCD
Birmingham , Alabama
Join Date: Sep 2007
Posts: 323
I have had an agreed upon value policy with Progressive for 6 years now. I just had to make a claim thanks to a tread separation tearing up the back quarter of my Airstream. My deductible was zero and the Progressive agent told the dealership to do whatever it takes to put things back to the way they were before the accident. I'm pleasantly surprised and pleased.
__________________
UAPachyderm is offline   Reply With Quote
Old 08-01-2011, 07:09 PM   #14
Rivet Master
 
Florida 55's Avatar

 
2008 27' Safari FB SE
Pfafftown , North Carolina
Join Date: Jul 2010
Posts: 821
Images: 38
Blog Entries: 4
Progressive through USAA

I went through the USAA link to Progressive to receive a quote for a 2008 Safari SE 27FB I am purchasing. I received a quote for agreed value. I could not get an agreed value quote working directly on the Progressive site.
__________________

__________________
Chuck
Airstream - 2008 Safari 27FB SE (Sweet Pea)
TV - 2011 Ford F250 Lariat, 6.7 Diesel, 4X4 (Brutus)
TAC FL-55 | WBCCI 3823 - Unit 12 | AIR 48265
Florida 55 is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
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


Similar Threads
Thread Thread Starter Forum Replies Last Post
Newish Surflo pump problem - Battery Drain ianrjam Batteries, Univolts, Converters & Inverters 5 06-30-2011 01:24 PM
Insurance coverage? Al - K4GLU Dollars & Cents 0 05-07-2009 07:33 AM
Need Appraiser to get Stated Value Coverage fr8tshaker Insurance & Claims 11 08-21-2008 04:34 PM
Insurance coverage for full value? tslanier Insurance & Claims 5 09-04-2006 04:07 PM


Virginia Campgrounds

Reviews provided by




Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -6. The time now is 05:19 PM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, Jelsoft Enterprises Ltd.

Airstream is a registered trademark of Airstream Inc. All rights reserved. Airstream trademark used under license to Social Knowledge LLC.