I have had Foremost insurance for the past three years on my '64 Overlander and also purchased a policy from them for my '78 Argosy Minuet. The major issue that I have had to address in purchasing insurance for these two rigs is their collectability issues. The typical RV insurance policy would value either coach at a maximum of $4,000.00 without special riders.
Foremost was one of only three carriers in my area who would consider issuing stated value/agreed value insurance for either of my Trailers. With the stated value/agreed value riders, the insurance on my Overlander is just short of $200 per year for all major perils and my '78 Argosy is just short of $125 per year for the same coverages.
Prior to Foremost, I had insured my Overlander with American Family. They had excellent coverage, but do not make more than two (2) claims in a five year period [for all policies held with company]!!!. When I made my third claim during a five year period [I had policies on my home, five cars, and the Airstream as well as an Umbrella Liability policy], they cancelled [declined renewal was their terminology] my coverage - - but then offered to reinstate coverage if I would agree to a 300% increase in my rates! Needless to say I immediately went out and found another carrier who gladly wrote coverage replicating that (even better in some instances) which I had with American Family.
Prior to my experience with American Family, I didn't subscribe to the idea of shopping all insurance coverage once every five years. Now, I am not so certain that such a process might be a GOOD idea.
Kevin D. Allen
WBCCI (Lifetime Member)/VAC/Free Wheelers #6359
1964 Overlander International/1999 GMC K2500 Suburban (7400 VORTEC/4.11 Differentials)
1978 Argosy Minuet 6.0 Metre/1975 Cadillac Eldorado Convertible (8.2 Liter V8/2.70 Final Drive)