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Old 02-24-2015, 12:27 AM   #29
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This discussion is helpful to learn about how much coverage value we should have. My insurance for my 2007 Airstream Safari is through AAA as part of my car coverage. I also have my homeowners and umbrella liability policies through AAA, so I get good multi-policy discounts on all of the policies.

When I purchased the Airstream last September, the dealer recommended Progressive or Allstate as good companies for dealing with claims, and he said not to purchase coverage for the Airstream from Geico. I'm just sharing that information, even though I ultimately switched all of my insurances to AAA.
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Old 02-24-2015, 12:33 AM   #30
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Often insurance rates are favorably discounted when purchased by members of an affinity group. I wonder whether Air Forums or the WBCCI have affinity insurance vendors.
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Old 02-24-2015, 11:05 PM   #31
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I am with Geico and the rates seem fare enough but I have had no issues so I have no complaints.
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Old 02-25-2015, 11:07 AM   #32
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The bad news. Our first AS was in an accident last August that required months of haggling with the insurance adjustor, and then having the parent insurance company delay for weeks in actually mailing the check after they agreed to write off the trailer. This was pretty stressful, given that we were nearly badly injured or killed, and we lost a big chunk of our camping season. Nobody thinks you're going to need that insurance someday. We didn't!

The good news. Fortunately we had payed extra for top-of-the-line RV insurance, which ultimately covered the cost of a new replacement.

Our advice would be to go with the insurance company with the highest record of (a) customer satisfaction for prompt, supportive service and (b) pay-outs. Even if they charge more, it would be worth it if you need it.
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Old 03-05-2015, 07:37 AM   #33
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I priced insurance online with Progressive this week, but found that Progressive would only provide coverage of ACV, Actual Cash Value, which I gather is the NADA value, not anywhere near what I paid for my 2007 AS last year.
"Total Loss Replacement" is only "available on previously untitled RVs that are up to one model year old and do not have pre-existing damage."
"Agreed Value available on all RVs", but is "available only through certain sources". Apparently, that does not include online application. I'll call Progressive to find out how Agreed Value coverage can be obtained.
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Old 03-05-2015, 04:17 PM   #34
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Quote:
Originally Posted by MaineStreamer View Post
..."Agreed Value available on all RVs", but is "available only through certain sources". Apparently, that does not include online application. I'll call Progressive to find out how Agreed Value coverage can be obtained.
MsineStreamer, I would also be interested in your experience there.
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Old 03-05-2015, 11:14 PM   #35
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I had success with GEICO.
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Old 03-09-2015, 10:16 PM   #36
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What is your advice about the most suitable comprehensive and collision deductible. The primary options are $1,000 or $500 or $250.
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Old 03-10-2015, 11:23 AM   #37
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For such coverages, I prefer to take the highest option to lower the premium, since I prefer protection from "disaster" against paying for protection from losing a few hundred.
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Old 03-10-2015, 01:50 PM   #38
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Insuring an Airstream

I shopped several companies and, as I shared, agreed policy is the better coverage for units older than five years. Replacement is available for newer new to five years and some companies do not issue it unless covered when new.

Most companies only use actual cash value- NADA or worse wholesale.

The alert is that companies cut off issuing agreed value at 2-3 years from purchase date or require appraisal.
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Old 04-25-2015, 10:09 PM   #39
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Hello, Len and Jeanne,

From which company did you get your premium insurance? I'm going to be purchasing my AS next week and would appreciate knowing who you were with when you had your accident.

Thank you!
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Old 04-25-2015, 10:16 PM   #40
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State Farm asked me how much it was worth, and insured it for that amount. The premium is figured for that amount as well.
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Old 04-25-2015, 10:23 PM   #41
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There is a caveat,,, the way I understand it, if the policy is not a declared value policy, an insurance company will insure for a certain amount, but if there is a loss, valuation will be based on depreciated value.

In essence, paying premiums on a value higher than the depreciated value is like throwing part of the premium away.

This is what my insurance agent told me anyway.


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Old 04-25-2015, 11:29 PM   #42
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I asked about the declared value when insuring my boat and my agent said that the agreed value is what the insurance company would pay.
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