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Gringo · 06-15-2011, 08:29 AM

We bought a one year insurance policy on the full price of the Airstream last month before we ever left the dealer with it.

I bought Allstate because it was handy. I gave up even trying to get a quote online from Geico, so really didn't shop around much. I had a lot of other stuff going on, and just wanted it insured before I hitched up a rented truck and pulled it away for the first time.

I am betting you other, experienced Airstreamers have sorted out which insurance company is best for insuring the trailer. I am not interested in insuring contents that are not part of the trailer.

thecatsandi · 06-15-2011, 08:32 AM

Quote:

Originally Posted by Gringo

We bought a one year insurance policy on the full price of the Airstream last month before we ever left the dealer with it.

I bought Allstate because it was handy. I gave up even trying to get a quote online from Geico, so really didn't shop around much. I had a lot of other stuff going on, and just wanted it insured before I hitched up a rented truck and pulled it away for the first time.

I am betting you other, experienced Airstreamers have sorted out which insurance company is best for insuring the trailer. I am not interested in insuring contents that are not part of the trailer.

I had State Farm until they were going to drop me after two accidents. I now have Progressive.

rebelstand · 06-15-2011, 08:35 AM

We had state farm, as they carry all our other policies, but they wouldn't carry us as full timers. Now State Farm still has all the other and foremost does our trailer and contents.

Ahab · 06-15-2011, 08:45 AM

We use Allstate, full coverage. Had a mishap with a low branch and they paid up and did not raise the rate.

Phrunes · 06-15-2011, 08:49 AM

Progressive

Mikethefixit · 06-15-2011, 09:28 AM

We use our Vehicle/Homeowners Insurer. ITs a Michigan based COMPANY thats been in business for a 100 yrs. We get a better rate because of a MUTIPLE Vehicle DISCOUNT.

withidl · 06-15-2011, 01:05 PM

I used Geico for 12 years for my home, 4 autos, 2 motorcycles and a 2002 ASCL 31'. I get an 8% discount because I am a BRK.B shareholder. That being said the ASCL is grand father'd into an "old contract" for which I pay every 6 months $59.40 ($100 deductable) for Comprehensive + $139.00 ($250 deductable) for Collision.

I just called Geico today and found out that the "new contract", which includes emergency towing (the reason for my query) and some other bells & whistles would cost me $595.40 (with a $500 each deductable) every 6 months, or 3 times as much if I was going to insure it today. I decided to stay with the "old contract" as I figure that if my X5 breaks down (it has emergency towing) I can probably have the ASCL towed for less than the $800 annual difference if need be just to get it off the side of the road.

TinShack · 06-15-2011, 01:10 PM

I have Allstate for home and vehicles. When I bought the trailer I continued coverage with them. Did some shopping around last year and found my trailer was better off with Progressive...cheaper and better coverage, so I switched to them for the trailer. I still can't beat Allstate for the home and vehicles though.

Aviator · 06-15-2011, 02:59 PM

USAA sent us to Progressive.

Gringo · 06-15-2011, 04:09 PM

Interesting. I have just been in a series of email exchanges with Allstate today. they told me they wanted another $ 90, because the actual insured price of the trailer was the full amount I paid, including sales taxes, licensing, etc. They also mentioned that I had no content coverage.

I wrote back that I assumed they covered contents that were part of the total price of the trailer , since they were using that number PLUS tax and title etc. to figure their premium.

They wrote me back that all the installed appliances etc. were insured, but that the awning and antenna would need a separate endorsement, at a slight charge.

I have written back and said that if the insurance purchased based upon the total price of the trailer doesn't include some of the features of the trailer, then the cost of those features should have been subtracted from the total that IS insured...

and I have a problem with paying a premium based upon a price that includes a sales tax.

and I was wrong...it's State Farm.

Progressive, you say....

r carl · 06-15-2011, 04:27 PM

What state you live in would make a difference in who to go with I would think.

Phrunes · 06-15-2011, 04:35 PM

There appears to be a foul wind in the air...It smells like insurance industry profiteering. My auto policy just renewed, I have no tickets/no accidents/no claims. They have been hounding me for an annual mileage number for months. I drive very few miles (no commute/home office)...i informed them that last year my mileage spiked due to a trip to Yellowstone (resulted in a 5% increase in my total miles). Even with the increase I'm still well below the annual average of 12,000 miles. ENTER THE INSURANCE INDUSTRY'S NEW MATH: my 5% increase in total miles translated into a 25% hike in my premium. Checked with my Dad (different company) and his went up 25% as well. Is anyone experiencing this? I live in California. Mad, mad, mad!!!!!

Jack46 · 06-15-2011, 04:43 PM

This might not help Gringo as a new buyer, but I remember what my State Farm agent told me one time after three claims - two auto and one home - in a row. I asked if I should expect a rate increase. When I asked why not, he told me that we have been loyal customers since 1963. I'm not shopping for whomever might have the best deal today.

thecatsandi · 06-15-2011, 06:48 PM

Quote:

Originally Posted by Jack46

This might not help Gringo as a new buyer, but I remember what my State Farm agent told me one time after three claims - two auto and one home - in a row. I asked if I should expect a rate increase. When I asked why not, he told me that we have been loyal customers since 1963. I'm not shopping for whomever might have the best deal today.

I had been a loyal customer with State Farm since the early eighties. Home, Auto, then Trailer.
I moved to Montana and had property without a structure. They would not insure it. I was living in the trailer at the time. I had to insure my property with someone else; Travelers. I now have my house and ranch with Travelers. My Car, Truck, Airstream are insured with Progressive. My Flatbed trailer with Concorde General.

When possible I will insure as much as possible with Travelers.

Aviator · 06-15-2011, 07:39 PM

My trailer is not new, my policy with Progressive is for an agreed upon value. I told them how much I thought it was worth, and pointed them to some websites with similar Airstreams with asking prices equal to or greater. Progressive's response was that sounded good to them and they signed off on my policy. Prior to my sending the website references, they wanted an appraisal which I thought was rather expensive. I haven't personally had any claims with them, but since USAA referred me to them I am very comfortable with the policy.

Silverwanabe · 06-15-2011, 08:51 PM

Nationwide for the house and cars.

Allied Ins. for the Airstream ( Agent: Farm and City thru the WBCCI ).
Agreed value. I did had to have an appraisal from the dealer.

**Stefrobrts** · 06-15-2011, 09:38 PM

I have an agreed-value policy for our vintage trailer through Progressive (it was through triple-A, but they handed it off to Progressive). Had to get an appraisal to get the value. No claims, so no opinion on if they're good or not. We have also been loyal State Farm clients since the 80s, but they wouldn't do an agreed-value policy.

the544man · 06-15-2011, 10:24 PM

I currently have no insurance on my 1956 bubble I just got done rebuilding. Geico said because it's vintage I'd get next to nothing for it if in a wreck. Geico Also said that we are not liable for the trailer or amu damage a trailer might cause Only the tow vehicle AND that our auto policy would cover any liability caused by either.

What should i do? What might be worth? You tell Me? $16,000? What should I do? How much did you insure the vintage for and what did it cost a year? Ted