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Old 01-07-2025, 09:06 AM   #1
Kenneth
 
1987_345's Avatar
 
1987 34.5' Airstream 345
Waxahachie , Texas
Join Date: Jan 2009
Posts: 185
Insurance, YUCK!

Good morning ladies and gents. In reviewing our expenses and trying to minimize any we can, I have to look at insurance costs for our MH. We are currently insuring it with full coverage through Safeco. Originally we had it insured for an agreed value of $60,000, but over the years they have continually reduced the value down to $30,000 while at the same time increasing the premiums four-fold. Im just looking for advice as to what my other AS brethren are doing about insurance for your prized Airstreams.
I'm wondering if there is a carrier out there that offers storage options in their policies or should I just go for liability and not full coverage....Thoughts please.
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Old 01-07-2025, 12:25 PM   #2
Rivet Master
 
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1990 34.5' Airstream 345
Honokaa , Hawaii
Join Date: Jun 2010
Posts: 997
We just sold our 310 and adjusted our Nationwide policy to give us only liability coverage on the 345 that lives in Montana. Premium is now $93 per year.
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Old 01-07-2025, 01:11 PM   #3
Rivet Master
 
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1992 36' Land Yacht
Grayson , Georgia
Join Date: Nov 2011
Posts: 1,767
Yep, only liability here too.
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Old 01-07-2025, 05:52 PM   #4
2 Rivet Member
 
2008 31' Classic
Rochester , NY
Join Date: Jun 2019
Posts: 58
We have had excellent coverage from State Farm - reasonably priced and no hassle on two claims.
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Old 01-07-2025, 08:57 PM   #5
Kenneth
 
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1987 34.5' Airstream 345
Waxahachie , Texas
Join Date: Jan 2009
Posts: 185
Thank-you for your input. Wyokirk, are you ACV or stated value?
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Old 01-12-2025, 10:37 AM   #6
Rivet Master
 
2016 30' International
redondo beach , California
Join Date: Feb 2017
Posts: 805
$800/year.
Utah address.
Full coverage.
$500 deductible.
Replacement cost.
Progressive.
One claim 5 years ago.
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Randy and Beth 15 F250, 16 30' International, ProPride, Dexter 3" lift, Michelin 16, Dill TPMS, Centramatics, Battleborn x4, Victron BMV and 1.2KW inverter, Orion DC/DC, BlueSolar MPPT, 300W solar, Alpine iLX, Polk MM1, Samsung smart 42"
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Old 01-12-2025, 11:37 AM   #7
gsg2013
 
2004 30' Land Yacht 30 SL
Tijeras , New Mexico
Join Date: Aug 2016
Posts: 18
Foremost thru Farmers

Full coverage on 2004 Airstream Landyacht, $598. This is with Foremost thru Farmers with New Mexico address.
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Old 01-12-2025, 12:08 PM   #8
3 Rivet Member
 
2023 33' Classic
Chandler , Arizona
Join Date: Mar 2024
Posts: 115
Im super pleased with Allstate, full coverage for our 2023 Classic 33 plus an additional 20K for personal belongings solar/victron equipment a staggering $89.00 annually. I actually thought that was a typo, I was previously paying $ 1,200.00 annually through american family. I store it at my airstream dealer indoors, I have a clean record and (2) other vehicles insured through them.
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Old 01-12-2025, 02:02 PM   #9
1 Rivet Member
 
1981 31' Excella II
Las Vegas , Nevada
Join Date: Mar 2017
Posts: 9
I have good Sam Insurance I have a 81 Excella. $299 a year in storage. I take it in and out of storage, month is about $37.00 for out in the road
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Old 01-12-2025, 06:32 PM   #10
Rivet Master
 
2016 30' International
redondo beach , California
Join Date: Feb 2017
Posts: 805
Also reading the fine print is HAIL damage.



Quote:
Originally Posted by mythbuster88 View Post
$800/year.
Utah address.
Full coverage.
$500 deductible.
Replacement cost.
Progressive.
One claim 5 years ago.
__________________
Randy and Beth 15 F250, 16 30' International, ProPride, Dexter 3" lift, Michelin 16, Dill TPMS, Centramatics, Battleborn x4, Victron BMV and 1.2KW inverter, Orion DC/DC, BlueSolar MPPT, 300W solar, Alpine iLX, Polk MM1, Samsung smart 42"
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