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Old 04-01-2019, 04:47 PM   #1
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Longport , New Jersey
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Posts: 299
How is everyone insuring their airstreams?

Just wrapping up a very extensive restoration. Now that I have an absolute ton of time and money into this bad boy (or girl, maybe?). I think it's wise to insure it.

What is everyone doing for insurance?

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Old 04-01-2019, 06:29 PM   #2
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2000 27' Safari
Crestwood , Kentucky
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I have progressive. They agreed to value equal to my purchase price plus restoration receipts. For a 99 Safari about 29k

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Old 04-01-2019, 06:33 PM   #3
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2014 20' Flying Cloud
Long Island , New York
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FYI there is an insurance sub-forum and a few recent threads which may help:

You should probably go for "agreed value insurance" IMO:

. . . for which you will need 1-2 appraisals.

Good luck,

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Old 04-01-2019, 07:31 PM   #4
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2017 26' Flying Cloud
Tampa , Florida
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I have the Airstream and my truck rolled into one policy with Geico.
The first five years are new replacement value.
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Old 04-01-2019, 07:33 PM   #5
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1975 27' Overlander
Conifer , Colorado
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Agreed value is the only way to go with a renovated Airstream. As mentioned, there are several insurance companies that offer such policies. They will want evidence that the trailer is in fact worth what we say it is. In my case, this involved an appraiser who came to my place and took photos and listed the trailer's condition and features. Then he went to work in the marketplace for comparable asking prices. Lastly, I gave him my list of receipts of items I had spend money on that now are in the trailer, like my new $1300 fridge and my new $700 air conditioner and the like.

My second Airstream is agreed value, but easier. I agreed to insure it for what I paid for it. I have kept my receipts and will soon ask for an increase in agreed value. I may not have to get an appraisal, but if I do, I will.

As we all know, a bid hail storm can total an Airstream.

We are insured with Allied underwritten by Farm and City Insurance in Forest City, Iowa. Nice folks to work with.

WBCCI #8607
VAC Region 11

Link to my 1975 Overlander Improvement Journal:
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Old 04-02-2019, 10:09 AM   #6
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1976 31' Excella 500
Chappell Hill , Texas
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Nationwide - agreed value.
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Old 04-02-2019, 10:27 AM   #7
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1992 26' Land Yacht
Wickes , Arkansas
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We have an agreed upon value policy wth Progressive thru UASS. Nationwide offered one but its terms were too restrictive abd was more expensive. Our value is based upon a current appraisal.
Bob & Dorothy
1992 Land Yacht TT
WBCCI # 4550
Arkansas Razorback Unit
Texas Coastal Plains Unit
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Old 04-02-2019, 11:18 AM   #8
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2018 25' Flying Cloud
Aurora , Colorado
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Foremost thru my Farmers agent. Having never made a claim not sure how well they will do. Others have had varying opinions. Price was what I about expected for a new Airstream.
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Old 04-02-2019, 12:20 PM   #9
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2006 25' Safari FB SE
Depends :) , My heart is in Colorado
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Need to upgrade/properly insure out trailer, but am extremely short on time. How long could I expect the appraisals process to take? Anyone had a quick turnaround like 1 - 2 days with any particular company?

We have a 2006 Safari, with upgraded solar and other items. Currently are with Geico, but I get the sense that the Agreed Cost option is how I should go considering the age of our rig. I'm disappointed I waited until now to start this process, but optimistic that I may be able to still get this off my To-Do list before Friday. Here we go...!
Jump, and the net will appear.
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Old 04-02-2019, 12:49 PM   #10
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2005 39' Land Yacht 390 XL 396
Ozark , Alabama
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Insurance coverage

I have been using National General Insurance through Good Sam Club for about four years. Have had claims and paid promptly and fairly. Do not know about agreed value but there is a guy in Panama City, FL that specializes in vintage trailers and gives values. Do not know how swift he works. The thing I like about National General is they allow you to lay it up when not using, only pay for comprehensive no liability. Like that.
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Old 04-02-2019, 02:42 PM   #11
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1976 31' Sovereign
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I have agreed value with Progressive thru Farm and City Ins. Forest City Iowa had repair bill last summer, fixed at JC Farm and City very helpful prompt adjustment by progressive JC was a little higher than Progressive adjuster but pd. total bill to JC no exp. to me except deductable. Highly recommend. Featherbedder
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Old 04-02-2019, 06:53 PM   #12
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2009 25' FB Classic
Scottsdale , Arizona
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Foremost thru Farmers with agreed price. I to just completing a remodel of the trailer.
Bob & Julie # 5587, 4CU in AZ
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Old 04-03-2019, 06:56 AM   #13
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Longport , New Jersey
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thanks everyone. I'll use this as a guide.
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Old 04-03-2019, 07:40 AM   #14
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2012 23' Flying Cloud
Bandera , Texas
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Stated value with Liberty Mutual, they cover my vehicles as well.
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Old 04-03-2019, 09:05 AM   #15
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1972 31' Sovereign
Lexington , Minnesota
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We have State Farm with agreed upon value insurance through their vintage vehicle insurance. We got an appraisal from Jim Polk (very well known appraiser for vintage trailers). He can do an appraisal via pictures and descriptions, which is what he did for us. State Farm used his appraisal. It costs a little more for agreed upon value insurance, but better that than losing all your value due to depreciation. Peace of mind.

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Old 04-03-2019, 09:48 AM   #16
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1974 25' Tradewind
2008 25' Safari FB SE
Col. Station , Ohio
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The only way to insure a vintage AS is with an agreed value policy along with an appraisal. We lost a mostly renovated 74 last year due to a hail storm and we were paid in full with no problems. Progressive thru USAA.
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Old 04-07-2019, 10:22 AM   #17
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2019 33' Classic
Estes Park , Colorado
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Old 04-07-2019, 11:23 AM   #18
1998 34' Excella 1000
1990 29' Airstream 290
Algonquin Highlands , Ontario
Join Date: Nov 2015
Posts: 30

No one has mentioned any issue regarding the age of their trailer. We were just dumped by our provider as our trailer is now 20 yrs old. We found another company but are paying over double our original plan. We are Canadian. Does the same issue arise with companies in the US?
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Old 04-07-2019, 03:41 PM   #19
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1973 23' Safari
Arroyo Grande , California
Join Date: Oct 2016
Posts: 24
It was reported in the March/April issue of Vintage Trailers Magazine that Hagerty is preparing to launch a program for vintage trailer insurance. I have a couple of old cars with them and they are great to deal with. Hope it comes to pass.
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Old 04-07-2019, 04:51 PM   #20
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Fenton , Missouri
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I started with Progressive when the trailer was new. First 5 years it was replacement with like kind new, even if costs were higher. After that point it was locked in on my original purchase price with no depreciation. It's not cheap but it probably will never be totaled in an accident or storm damage until the cost to fix it exceeds 70K or is unrepairable.


Jack Canavera
AIR #56
'04 Classic 30' S.O.,'03 GMC Savana 2500,'14 Honda CTX 700
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