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Old 10-09-2003, 10:45 AM   #15
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I agree that the Progressive quote seems high.

I have started to receive some other quotes that are substantially lower.

I guess I fell for the advertising. It's a good thing that I didn't but the policy.

That's what's so great about this forum.

Thanks Again.
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Old 10-09-2003, 03:58 PM   #16
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After speaking with our car insurance guy again, he explained to us that what you ensure your trailer for (value) is what they base your premium on NOT - and sometimes not even close - to what they will pay you in case of replacement!

Then again here in NJ we have a total mess when it comes to insurance of any kind!!

We have the 5 year replacement option on our AS policy. It makes us feel safer.
I guess that for an older trailer it's OK to put it with your car but for a newer one...I'd highly reccomend you to get full coverage! Better safe than sorry.

Anyone knows if Foremost insures NJ? Have the tel# handy?
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Old 10-09-2003, 04:43 PM   #17
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I have my 2002 Safari insured with RV Alliance America out of Bellevue, WA . I am paying less than $600 per year and they offer the Total Loss Replacement, Agreed Value, and Disappearing Deductibles. I realize that insurance rates vary by location and North Dakota is probably cheaper than other parts of the country but it is worth getting a quote from them.

800-521-2942 weekdays between 6AM and 4PM PST

www.rvaa.com

Larry Ruebel
Bismarck ND
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Old 11-11-2003, 06:16 PM   #18
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Quote:
Originally posted by KIMILI
After speaking with our car insurance guy again, he explained to us that what you ensure your trailer for (value) is what they base your premium on NOT - and sometimes not even close - to what they will pay you in case of replacement!

Then again here in NJ we have a total mess when it comes to insurance of any kind!!

We have the 5 year replacement option on our AS policy. It makes us feel safer.
I guess that for an older trailer it's OK to put it with your car but for a newer one...I'd highly reccomend you to get full coverage! Better safe than sorry.

Anyone knows if Foremost insures NJ? Have the tel# handy?
Yes, I have Foremost on my motorcycle. There # is 1-800-532-4221. Please let me know how you make out. We are looking to get insures for our 25B Safari in Jan 04.
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Old 11-11-2003, 09:38 PM   #19
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I ended up with a Foremost policy and was pleased with the rate. I compared Foremost to all of the other insurance carriers and Foremost was one of the few companies that was willing to offer a Total Replacement policy.
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Old 12-06-2003, 03:56 AM   #20
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Duplicate Thread?

Hi all,
I started a new Forum...Thread (under Community) for RV Insurance - Fulltimers & Snowbirds. I hadn't seen this yet. I did a search that I thought was pretty thorough...and if you want to have me delete the one I started above...let me know. You guys have come up with a lot of good information...it's just that it may not be titled well enough Josh.

I haven't read all the posts...but will this weekend.
I think my 'missive' post that starts my thread of RV Insurance, has a lot of good questions and information in it.

Josh.......as Twinkie asked,,,'how far North in Cali do you want to store your coach? I have friends in Santa Rosa, in Cotati...in Redwood City, and San Carlos, up in Clear Lake, and even in Stockton. Please feel free to PM me for me to contact any of these. & Josh, would you please read my insurance concerns in that beginning post of my thread...and tell me if Foremost has covered those. Like, what $amount did you get on the contents of your coach?
And,,,when you say "total replacement",,,is this YOUR replacement...? you know, like the improvements (after-market) you've made? Like with pictures and receipts for proof?

Lots of help here. You don't have to be a WCCBI member to have a 'network'....although it helps. But, if you aren't one, "there is a Santa" out here.

Plus, Webbies...let me know if you want to close my thread for RV Insurance.
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Old 04-02-2010, 04:59 PM   #21
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Smile Insurance

Quote:
Originally Posted by joshua32064 View Post
I just got a quote from Progressive Insurance for my new 25' International CCD. Although the unit has not been delivered, Progressive was able to provide me with a full quotation.

Please bear in mind that my driving record is perfect and I am a homeowner. If anyone could lend some insight to the quote and what they have found, I would appreciate it.

I should mention that my quote is based on the fact that if there is a complete loss, I would receive a total pay out of exactly what was spent on the unit when purchased new. This quote is NOT for the value of the unit at the time of accident.

Value Insured - $38,000
Comprehensive - $250 deductible with full glass
Collision - $250 deductible
Vacation Liability - $10,000
Personal Items - $5,000

The quote for 12 months was $1,217

This seems reasonable to me, but being that I have never shopped for RV insurance before, I don't know what would be considered a good price.

Is there any other insurance companies that you would reccomend I check out?
I'm just purchasing a 2006 25' safari fb. Value $33K. Farmers quoting $124.00. we do have home & auto ins with them also so that helps reduce. Good luck! the cost
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Old 04-02-2010, 06:45 PM   #22
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Mine is insured with American Modern at about $400 per year. It has been about that since new.
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Old 04-02-2010, 06:59 PM   #23
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The AAA agent told me today that unless I get an appraisal I will only get blue book value if something goes wrong. I have not seen any blue book value for As older than 1975 with booked at $1195. Where do I get an appraiser in Idaho? Anyone? Anyone? Bueller?
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Old 04-02-2010, 07:51 PM   #24
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I have a 2010 FC FB 25 and full coverage with $1000.00 deductable replacement cost is $410.00/6 mos. Being in Iowa I put it in storage part of the year @269.00/6 mos.

My insurance is through Good Sam/GMAC and I have car, truck and house also on policy.

Where you live is going to have a BIG part in your premiums.
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Old 11-16-2010, 06:43 PM   #25
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We insured our 2010 FC FB 25 with Progressive this year when we purchased the unit for agreed upon/purchase value.

I was told by our agent today that when the policy comes up for renewal next year that Progressive will no longer offer this option. I have not heard this directly from Progressive - but if this is the case, I will be looking at other options to keep agreed/purchase value if possible.

-Scott
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Old 11-16-2010, 07:04 PM   #26
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You may want to get a quote from National Interstate. They charge us about $650 per year for our 2010 Classic Limited with full replacement, etc.
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Old 11-16-2010, 08:06 PM   #27
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Quote:
Originally Posted by smccollister View Post
We insured our 2010 FC FB 25 with Progressive this year when we purchased the unit for agreed upon/purchase value.

I was told by our agent today that when the policy comes up for renewal next year that Progressive will no longer offer this option. I have not heard this directly from Progressive - but if this is the case, I will be looking at other options to keep agreed/purchase value if possible.

-Scott
We started our new '06 Safari insurance with Progressive. It was a total replacement policy -- and I insured for a small amount less than what we paid. I insure most of our other policies with USAA. So a couple years back I called USAA at renewal time and my call was forwarded to "Progressive, USAA desk." Clearly, USAA subbed their RV insurance out to Progressive.

Declaring a 10K less value at USAA it would have cost me $500 more per year. I wouldn't have had an opportunity ever to return to my original Progressive insured amount had I gone with 10K less at USAA. Clearly I stayed with Progressive.

New insured vs. renewing? Guess I'll have to see what is available when I have to renew in 10 months. Grrr....
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Old 02-28-2011, 12:02 PM   #28
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I have my insurance through Progressive, via USAA. I was wondering can you get coverage for storage (6 months) vs. being on the road (or full coverage)?
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