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Old 06-17-2011, 08:11 AM   #29
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Regardless of which insurance company you use, seriously consider an agreed upon value policy. In the event of a total loss, you'll be glad to have predetermined the value rather than relying on an adjuster, NADA, depreciation, disallowance of improvements, etc. JMHO!
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Old 06-17-2011, 08:11 AM   #30
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We have Blue Sky. They were 3 bills lower than Progressive and my Agent couldn't match their rates. Plus full replacement coverage sold me.
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Old 06-17-2011, 08:15 AM   #31
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Quote:
Originally Posted by Nightwatch
We have Blue Sky insurance. They will do agreed value on some difficult to value models. But they also offer a "purchase price guarantee" policy which we have. Basically, if it's totalled they give you your purchase price less any adjustments for years since you wrote the policy or pre-wreck issues. I think they guarantee the purchase prices for 2 years before they begin any depreciation, but don't quote me on that as I would have to look up my policy.

Overall they have been great to work with, but I haven't (and hope not to) had any claims yet.
I've also got Blue Sky and turned in my first claim. I will let you know how it goes. My in laws recommended them and they ripped their awning off and put a large gash down the side of their fifth wheel on their first trip out, Blue Sky took care of them and didn't raise the rate.
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Old 06-27-2011, 10:27 AM   #32
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Blue Sky is looking like a good bet. thanks for the input. I didn't realize Progressive was so political, and I've gotten a mini-education in insurance. I was surprised when State Farm told me they didn't do replacement value, but only the depreciated value. Since our AS will be sitting inside an air conditioned warehouse 10 months a year, I didn't think I wanted to be tied to the same depreciation as though it sat outside in the sun and weather all year.
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Old 06-27-2011, 06:50 PM   #33
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Turned in my claim and between mother nature and me it was a big one ( more hail than me) and noooo problems. They were great! My claims person also is an RVer and we talked about how great forums like this are.
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Old 06-27-2011, 09:34 PM   #34
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How much is your premium a year and at what stated value? Just curious what this might cost? Ted
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Old 06-27-2011, 10:19 PM   #35
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blmitch5, so glad to hear it; thanks for reporting back. That's the first experience I've heard from anyone submitting a claim to Blue Sky. We have their insurance on blind faith, because of price and the fact that they're the only one who'd insure us for purchase value (on a used, less than 5-year-old model). But I was a little worried about how they'd handle claims.
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Old 06-28-2011, 06:15 AM   #36
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Well, I just got a quote from RVAmerica. they are an agent for five insurance companies. They are offering to place me with GMAC at a fairly competitive rate ( not the cheapest, but not hugely different, either) and they have this Total Loss Replacement policy. For the first five years on a new RV, if you total it, the policy buys you a NEW version of that model. Even if the price goes up, which it will.

The example they gave on our new 2011, new cost $ 64K, if it got totalled five years from now: They would buy us a new 2016 International 27FB, at a projected price of $73.6K. Standard insurance policy on a depreciated five year old AS? $ 38.4K.

In five years I expect our AS to have a total usage of around 10 months on it. The other four years and two months of that it will be stored inside a warehouse. Doesn't make sense for me to try to save about $ 400 over the five years of premium to end up with about half of what it would be worth to us.

Have any of you guys used GMAC or RVAmerica? I had GMAC insurance for a home mortgage for years, but never had to file a claim.
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Old 07-05-2011, 06:21 PM   #37
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We have used Foremost for our '56 Caravanner based on the documented sale price. Premium is $400 annually.
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Old 07-05-2011, 07:39 PM   #38
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After State Farm screwed their customers in Louisianna and Mississippi post Katrina, I wouldn't use them if they gave me my insurance for free.

If I remember correctly, Louisianna pulled their ticket to write property insurance in their state.....or at least seriously considered it.
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Old 07-08-2011, 10:30 AM   #39
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Well, we were back in the USA briefly for the July 4th weekend, and I actually got a copy of our policy with State Farm, and it concerns me. Under "Additional Exclusions" it states that:
"We do not provide any coverage: to any covered person who does not live in the United States.".

Huh? Isn't that an oxymoron? Is the person in question (the 'any covered person') covered or not?

It is sounding like GMAC also doesn't cover anyone who doesn't have a US drivers license. I am not sure what this is about, as there is no requirement to have a driver's license to own a travel trailer. It's not a motor vehicle.
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Old 07-08-2011, 05:02 PM   #40
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Progressive Insurance, full replacement policy...
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Old 07-08-2011, 05:11 PM   #41
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But do they insist that the owner of the trailer have a US drivers license?

that's the snag I seem to be running into. Blue Sky might be okay, I am waiting for an answer.
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Old 07-14-2011, 08:23 AM   #42
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Well, if any of you are interested, my perseverance seems to have paid off. We had some unique issues, since we live outside the USA, but I finally found an insurance broker who understands RVs and we are pretty happy. He also found us the insurance we wanted, at about $ 500 less than the guys who spend all the money advertising on TV. Hey, those multi million dollar Geico, Progressive, and Allstate ad campaigns are being paid for by the customer in the end, aren't they? your premiums are hiring cavemen actors?

Anyhow, I wanted to suggest that even if you thought you were happy with your insurance, check out Overland Insurance in Scottsdale, at
RV Insurance Quote From Overland Insurance | RV Insurance | Motorhomes, Travel Trailers and 5th Wheels

I checked them out online, did some research on Triumphe Insurance, etc. Looks legit. Good ratings.

Full replacement policy for the first five years, and then the original purchase price from then on. MUCH better deal for new trailer owners, I think. State Farm couldn't come close. A five year old trailer totalled with State Farm, $ 38,000 pay off. Same trailer with these guys...a new trailer. Six year old trailer with State Farm, about 30K. With these guys, my original purchase price, $ 64K. Big difference. Also some built in liability, etc. the usual.

Check it out. Doesn't cost anything to get a quote online and compare the price, and coverage, to what you have now.
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