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Old 06-02-2015, 12:28 AM   #15
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Because I don't like their politics.
What politics?
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Old 06-02-2015, 11:14 AM   #16
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Geico

I insure my auto & truck, Airstream 25 Safari, home and liability umbrella with GEICO and only pay $158 every six months for the airstream. I don't have replacement coverage and it is not available through GEICO. They insure for what they call cash value which is similar to Blue Book on an auto.
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Old 06-03-2015, 07:43 AM   #17
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ACV could be a lot less than your Airstream is worth. The blue book and others treat it like a white box, which becomes nearly valueless quickly.

Use the search link at the top of the forum on the insurance topic. You may find some of the information very enlightening.
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Old 06-03-2015, 10:26 AM   #18
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Yep, once our Rocinante is too old to get complete replacement coverage from our regular carrier, we'll be switching to one that will insure (and hopefully replace!) based on stated value vs. blue book value.
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Old 06-03-2015, 10:29 AM   #19
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Agreed value with appraisals every couple years is the way to go. I have noticed the ASKING price of my model and vintage of AS seems to be rising with the newer model year price hikes. Something to stay on top of, IMO. I doubt NADA will take these things into account.
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Old 06-04-2015, 10:31 AM   #20
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Just a heads up for those insured with Blue Sky. My policy is up for renewal on 7/1/15. Last year, I paid $715 to insure my 2013 22' Sport with Blue Sky. The premium for this next year? Over $1000, about a 50% increase. No claims, no tickets, trailer is garaged indoors and we put less than 5,000 on it a year. When I replied to the renewal email asking about the increase, I was told that Blue Sky is increasing all their rates because they've lost money 2 years in a row and "can't afford" to stay in business without increasing premiums across the board. Raising the good customer's rates so exorbitantly that they jump ship sure doesn't seem like a good business survival strategy to me, but what do I know? Anyone else seen their Blue Sky premiums increase? Any suggestions for the next company to try?
This is a good heads up, thank you. I recently entered into a Blue Sky Replacement/Purchase Price, Diminishing Deductible stuff etc., including road side assistance insurance plan. I used an insurance agency that specializes in high end RVs that are typically hard to insure through normal insurance programs. They also represented others like Progressive etc that carry replacement coverage. They did recommend Blue Sky for two reasons: lowest cost for a 5 year replacement coverage and easy to work with if you are unfortunate and have to use this style of coverage.

My plan quoted is for a $78,000 Airstream and the annual premium $775/yr for a $1,000 deductible. A $500 deductible is $872/yr. All the other buzz and whistle coverages too.

I thought this was pretty high given what I could have insured through traditional RV coverage through my USAA plans, but I wanted replacement coverage which USAA does not offer. Also, I believe the next closest replacement coverage plan to Blue Sky was around $1,200-1,300 they quoted me. I was planning on utilizing Blue Sky for a couple of years but if I get the surprise you have experienced then I will have to go back to traditional insurance next year.

You mentioned that Blue Sky said they can no longer afford to offer these rates. Maybe they are right given how far lower than they are to their competition .Apprently, they are still capable of giving first time clients a good deal and then stick them on the second year. I guess I will find out next year!

Thanks for the heads up.
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Old 06-04-2015, 11:06 AM   #21
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Greg,

If I may ask, who was your insurance agency? Were they local or one of the nationwide agencies like Miller, etc.

Barry
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Old 06-04-2015, 11:13 AM   #22
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Greg,

If I may ask, who was your insurance agency? Were they local or one of the nationwide agencies like Miller, etc.

Barry
It is Thum Insurance, I think they are HDQ in Grand Rapids, MI but do insurance all over: Thum Insurance Agency Commercial and Personal Insurance

The rep I worked with, and she was great, her name is Sue Ellens, (800) 866-0777.

It will be interesting to hear what she has to say.
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