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Old 12-05-2002, 04:37 AM   #1
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1999 34' Excella
Joshua , Texas
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RV Insurance

Who is the best insurance carrier? Are you happy with your present carrier? Any bad experiences?

I have been with Foremost and so far have not had any problems.

Has anyone looked at <>?

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Old 12-05-2002, 07:14 AM   #2
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High Springs , Florida
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I just got my bill for my Airstream trailer, which is an add on to my pickup truck. $18.40 for collision and liability. Probably should add comprehensive.

2003 GMC 2500HD 4X4 D/A Ext. Cab
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Old 12-05-2002, 07:36 AM   #3
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RV Insurance

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
AIR #827
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)
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Old 12-05-2002, 10:24 AM   #4
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Corona , California
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Foremost has a habit of depreciating sheetmetal.


How do you put a life expectancy on Airstream sheetmetal?

Other companies don't do that, and never have.

Remember, Foremost is a giant, but in the "mobile home" industry, not the RV industry.

Generally speaking, their claims handling of an Airstream loss, leaves much room for improvement.

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Old 12-05-2002, 02:21 PM   #5
1971 23' Safari
Lake Ann , Michigan
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Insurance coverage

I have minimum coverage for Airabelle with my auto insurer and want to get better coverage--like towing and higher replacement allowance in case Airabelle has another disaster. (Remember she had a window shot out a few months ago.) I was told that I would have to get some kind of documentation from a reputable source as to her value before they would up their coverage. Where that source might be I don't know. The Airstream dealer in my area laughed when I asked him about her worth. That was many dollars ago, before I began Airabelle's rennovation. I don't plan to go back to that dealer again--ever. He of little faith.

I have received RV insurance ads from Camping World, Good Sam and the Escapees, all of which I'm a member, but haven't inquired about specifics. Has anyone looked into their policies?
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Old 12-07-2002, 05:54 AM   #6
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1999 34' Excella
Joshua , Texas
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I am also not impresed with Foremost, hence the looking around now before my coverage ends. Is it wise to tie the coverage to you auto/home policies like a lot of folks do?

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