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Old 06-05-2015, 11:31 AM   #15
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1967 26' Overlander
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You folks w fairly new AS's get ins. easier than us vintage owners. A lot depends on the state. In SC virtually all carriers will insure AS's over 10 yrs old at a set rate of depreciation which puts a $15,000 trailer at insurable value in the 3 to 4,000 $ range. Some ins co's say they will insure at an agreed upon amount, but they will never agree on an amount any where near the market value. Some will insure at an appraised value, but in my case, I would have to tow 400 miles to the only acceptable appraiser. They are also very suspicious of trailers that have been restored. Mine is insured with State Farm on my home owner's policy for about half the value I place on it plus about $1500 for contents. Progressive would not even talk to me.
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Old 06-05-2015, 11:38 AM   #16
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Any Claims Experience with Progressive?

Great thread!

We're 1st time buyers and our dealer has warned against Progressive because of poor track record in valuing AS in the event of a major claim.

Has anyone here has any claims experience with them? I think I'll visit some other areas of the forum as well to see what folks are saying. Thanks!
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Old 06-05-2015, 11:46 AM   #17
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I would call Progressive and talk to them. Your dealer is most likely getting a referral payment from whoever he steers you to.
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Old 06-05-2015, 11:52 AM   #18
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We just switched over to Full timers with Progressive. Great rates! Oddly, the full-timers is cheaper than the 30 day use a year coverage. My theory is they expect higher damages sitting in one place all year. Odd. Just a theory.
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Old 06-05-2015, 11:57 AM   #19
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Lenoir City , Tennessee
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We went with Progressive back in 2008 because every other company wanted to write the insurance based on a blue book value. Well, we don't have an "off the floor" AS. We needed insurance coverage on our custom built AS. Progressive was willing to look at our detailed invoice for building the trailer and insure us for replacement value of that value. The other companies didn't even have a method for doing something like that. We've been very please with them ever since - disappearing deductible, premium costs, etc.
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Old 06-05-2015, 12:08 PM   #20
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Trent Woods , North Carolina
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No USAA in NC

USAA does not underwrite RV insurance in NC; they sub it out to Progressive.

Larry
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Old 06-05-2015, 12:42 PM   #21
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Pleasant Surprise

Ditto, Jack. Amerprise (Costco) sent us to Progressive when we bought our rig. Its only been a year, but no worries. We have validated the price and terms/conditions and see Progressive as the best choice.
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Old 06-05-2015, 12:49 PM   #22
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Quote:
Originally Posted by lsbrodsky View Post
USAA does not underwrite RV insurance in NC; they sub it out to Progressive.

Larry
I think this is everywhere. I live in New Jersey and they sent me to Progressive's website when I was looking for a quote.

I don't yet have an Airstream, but I'm trying to get an idea of costs before jumping in.
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Old 06-05-2015, 01:13 PM   #23
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Orange , California
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CA insurance is different than most - if not all other states, with our no fault + independent insurance commissioner & requirements for each insurance company to be approved to sell in state.

We were recco'd in 2012 to go with "Flo" / Progressive for Agreed Value on our restored vintage kin 1960 Avion T20 by the resto guy who did the PPI for us, but Flo had stopped writing Agreed Value policies by then - at least in CA.

So we stayed with AAA & they added it at the Agreed Value based upon the "opinion of value" given by the PPI guy (he's not an appraiser), & never got an appraiser to do one since they accepted it.

Now I need to get an "opinion of value" report from GoWesty for our restored 1988 VW Westfalia, since most appraisers don't know that market & hopefully AAA will switch that to Agreed Value thereafter - or at least their ACV will be based on a realistic value & not just a beater or good survivor Westy.

I do have good claim history on the cars for over 33 years (plus a prior stint in the 1970's - early `80's on my Porsche 914 until they stopped insuring sports cars for a time) with AAA/ACSC (Auto Club So Cal) - but nothing with the Avion so far (cross-fingers!).

For vintage trailers - & once your newer AS/TT reaches that "Classic" age - it's a good idea to get a new appraisal every 2-5 years, since their values go UP/appreciate - NOT down/depreciate - with time & even with a resto & use "aging" the trailer, due to market demand increasing for the vintage trailers.

That trend may or may not continue, but it's worth watching out for your investment's coverage.

Cheers!
Tom
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Old 06-05-2015, 01:14 PM   #24
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If you have a note on your TV or trailer consider checking out an inexpensive GAP policy w/a if needed to cover the difference between what you owe and what your claim will be paid. Not all GAPs equal and don't overpay. Not for everyone but where it does apply it can be a good thing!
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Old 06-05-2015, 01:35 PM   #25
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Progressive claims

Got paid for hail damage in 7 days of adjustor looking at it at Jackson Center, he'll of nice guy and Air Stream people great. No complaints.
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Old 06-06-2015, 07:57 AM   #26
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Progressive rates

First timers and wondrring what are you paying for full coverage on AS? We just bought 2015 FC 25 FB.
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Old 06-06-2015, 08:19 AM   #27
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I believe the most important point isn't necessarily the company but the policy type and coverage. When I shopped around (info posted elsewhere) I found that new model owners had the option to get a replacement policy. For others, buying used another option if done within 2-3 years of purchase, is a non-expiring agreed value policy- much better than cash value based on NADA depreciated values but not as good as replacement. The company may or may not be important as they utilize different underwriters- go to progressive for example get a nationwide policy per se. I would urge anyone concerned with insurance to look into this. My AS, in a total loss scenario which I had the reps "play out" with me- cash value policy- $13000 or so and ever decreasing. Agreed Value $27000 as long as the policy is in force. The premium was about $40 more a year.
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Old 06-06-2015, 08:40 AM   #28
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Quote:
Originally Posted by rodsterinfl View Post
I believe the most important point isn't necessarily the company but the policy type and coverage. When I shopped around (info posted elsewhere) I found that new model owners had the option to get a replacement policy. For others, buying used another option if done within 2-3 years of purchase, is a non-expiring agreed value policy- much better than cash value based on NADA depreciated values but not as good as replacement. The company may or may not be important as they utilize different underwriters- go to progressive for example get a nationwide policy per se. I would urge anyone concerned with insurance to look into this. My AS, in a total loss scenario which I had the reps "play out" with me- cash value policy- $13000 or so and ever decreasing. Agreed Value $27000 as long as the policy is in force. The premium was about $40 more a year.
This, we got an agreed value policy for ours from Progressive for what we paid. You pay a little more, and have a few more hoops to jump thru. We needed an appraisal.
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