Complete Insurance Coverage?

[georgezink]

Don't blame State Farm or other insurance companies for what's going on in FL. It's politics at its worst. State Farm asked for a rate increase (a big one) but the governor wouldn't allow it. Insurance companies aren't charities -- they are in business like everyone else and need to make a profit. State Farm can't operate at a loss forever. Price controls don't work -- they lead to shortages. Now there's a shortage of insurance in FL. Thank your governor. Let the market work. And no, I'm not with State Farm, just know a little something about the insurance business.

[tkowalyk]

I routinely shop my insurance coverage / price to make sure I have the right mix of coverage at the right price. We have our AS with Progressive and everything else with another company (New Jersey Manufacturers). Progressive is hard to beat for the price, and I feel confident that we would get good service if we ever needed to file a claim.

I have had a few claims with Progressive -- never a claim on my policy, but I have been in two accidents that were not my fault and the other insurance was Progressive - super fast response, and no argument about taking my car to the dealer for repair.

Hope this helps...

[pcasa]

I concur on Geico - I have all three vehicles and my '66 Caravel with them - and as I pour money into the Caravel they asked me to keep my receipts to show the added value - but the coverage is very inexpensive

[Minnie's Mate]

We have insurance with Farm Bureau of Georgia. Never lived on a farm, though.

I have had insurance with them for 23 years and have been very, very satisfied so far. When my wife and I got married 20 years ago, they were cheaper than my wife's insurance company, State Farm. This of course will probably vary from state to state and the fact that we live in a highly metropolitan area. Smaller cities might be less.

[Larry in MO]

I've had American Family for 30+ years and have no problems. Every company is nice until you file a claim. I filed one weather related claim about 10 years ago and it was handled quickly and fairly through American Family.

I would, however, avoid The Hartford. Last summer I was rear-ended at a stoplight while sitting on my motorcycle. No serious injuries, got a police report, etc. After a week of not being able to contact the other driver, I got a copy of the report and called her insurance company-The Hartford.

Hartford maintained that they "might" be liable if the insured contacted them but that she had not yet contacted them. They suggested waiting until she had the occasion to contact them and then we could "talk about it".

I then had the occasion to send a certified letter to the Missouri Department of Insurance, Financial Institutions, and Professional Registration. After about 5 days the Hartford suddenly decided that they would file a claim for me and try to find their insured another time.

I think insurance companies are a lot like Las Vegas casinos in that they don't build those multi-story glass and chrome buildings by giving money back to the customers.

[76sovereign]

That is TOTAL BS but I am glad you got their attention.
Hows the AS coming Larry? R U coming to the Rally?

Kani

Originally Posted by Larry in MO

I've had American Family for 30+ years and have no problems. Every company is nice until you file a claim. I filed one weather related claim about 10 years ago and it was handled quickly and fairly through American Family.

I would, however, avoid The Hartford. Last summer I was rear-ended at a stoplight while sitting on my motorcycle. No serious injuries, got a police report, etc. After a week of not being able to contact the other driver, I got a copy of the report and called her insurance company-The Hartford.

Hartford maintained that they "might" be liable if the insured contacted them but that she had not yet contacted them. They suggested waiting until she had the occasion to contact them and then we could "talk about it".

I then had the occasion to send a certified letter to the Missouri Department of Insurance, Financial Institutions, and Professional Registration. After about 5 days the Hartford suddenly decided that they would file a claim for me and try to find their insured another time.

I think insurance companies are a lot like Las Vegas casinos in that they don't build those multi-story glass and chrome buildings by giving money back to the customers.

[kingfisher24]

Insurance, health, auto, rv, life, etc have become one large financial ripoff merygoround.........I have been trying to learn how to insure ones RV...to get a "full timers" policy, one would say......If one has insurance on the tow vehicle and pulling trailer down the road...then trailer is covered under tv's insurance.....unhook the trailer and you have no insurance...or tell the insurance company you are a "full timer" and you have no coverage....so one has to obtain a "full timers" policy for the RV...which is effectively a "homeowners" policy with gerneral libality and covers you when parked and also provides compresive coverage to repair or replace the trailer at the stated purchas price......

so i have been dealing with AON which is now Poliseek...which pushes Progreswsive Direct...which offered the most economical coverage...as opposed to Foremost, at least....... Pray that the govertnment does not want to help the rv insurance area......s

any thoughts

seashores

[76sovereign]

Did you have to insure it under a "classic" coverage? We have had our insurance with State Farm for 30 years.. Same guy..when I called his office his secretary told me that they only insure back to 1979 or 1980.

Originally Posted by Corraleno

I have everything (house, cars, truck, trailer) with State Farm and have been very happy. Switched from AAA a few years ago (with whom I was not happy) and am very pleased I did. My annual premium to insure a restored 67 Caravel for $9500 is .... $81. How can you beat that? Progressive was twice as much, and others I checked with wouldn't insure it for the full value. It's not often that you get the best service and the cheapest price from the same company!

[MikeAir]

I have been attempting to find out how to get coverage for anything that might happen, such as somebody falling down the steps, when I have the Airstream parked at a campsite, unhooked from the tow vehicle. Does anybody have this type of insurance. I'd suggest you check with your carrier to see if this is covered, you might just think you have it. I have all my insurance through GEICO, namely, vehicles, home, and umbrella. I've called department after department. I cannot seem to get a straight answer. Does anybody have this kind of insurance? Any suggestions?

[SlimJim]

I have an "umbrella policy" with State Farm. It is a general liability policy that covers anything that could be considered my fault. They explained that if I was walking down the street and stuck someone in the eye with my umbrella, it would be covered. Everyone one should have something like this. Good Luck.

[Minnie's Mate]

Originally Posted by SlimJim

...They explained that if I was walking down the street and stuck someone in the eye with my umbrella, it would be covered.

Uh, is this why they call them "Umbrella Policies"?

[AirHeadsRus]

Originally Posted by MikeAir

I have been attempting to find out how to get coverage for anything that might happen, such as somebody falling down the steps, when I have the Airstream parked at a campsite, unhooked from the tow vehicle. Does anybody have this type of insurance. I'd suggest you check with your carrier to see if this is covered, you might just think you have it. I have all my insurance through GEICO, namely, vehicles, home, and umbrella. I've called department after department. I cannot seem to get a straight answer. Does anybody have this kind of insurance? Any suggestions?

Welcome to the group MikeAir.
Probably what you are looking for is the coverage "Pleasure use Vacation Liability Coverage" Check with your carrier but it would cover such things as bodily injury and property damage. If someone fell off your steps, you would be covered. If you are parked and unhooked from your TV, awning blows off and damages the trailer next to you, you would be covered.
Limits vary but is fairly reasonable. Should be offered with any RV Physical damage policy.
Hope this helps, again welcome and good luck on your search.

[MikeAir]

The vacation liability coverage sounded good. I checked with GEICO and their affiliate only offered up to $50K , which is lower than the amount at which my umbrella policy kicks in, so the umbrella policy would never kick in because I have to be insured up to the lowest amount of the policy. Note that my homeowners does NOT cover the trailer when it is not on my own property, and the liability coverage for the TV does NOT cover it if it is unhooked. I think people who think that they are covered should check, as this may be one of the main times they need coverage. Does anyone know a company that offers a high vacation liability coverage?

[AirHeadsRus]

Check Nationwide. They go to $300,000.