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atxsunshine · 05-31-2020, 02:16 PM

Quote:

Originally Posted by jcanavera

I have a policy for the Airstream with Progressive. It has a disappearing deductible benefit after 4 years of no claims. Also on new trailers I had 5 years of replacement coverage. Translated that meant if the trailer was totaled in its first 5 years of life, I would get a comparable replacement, regardless of cost. Finally if I keep my policy coverage after year 5, I am guaranteed that Progressive will give me back my original purchase price of my trailer if its totaled. I see that more of a fact that if I ever do get serious damage, Progressive will spend the $$ to repair my trailer rather than pay the $70K my trailer cost when it was new.

I have no idea if that policy is still being offered but I have a comfort level with that level of protection.

Jack

What do you pay monthly?

Thiss · 11-29-2022, 03:19 PM

Old thread, but good information.

I submitted a quote request with Overland based upon posts here.

Progressive is coming in at $807 a year with rodent and roadside

Good Sam is Quoting $522 a year with similar coverage but no rodent or roadside.

Anyone use Good Sam for their insurance?

Anyone have any companies they think I should get quotes from?

Our 2023 FC is a lot more than our 1971 Overlander. Oh boy!

**STREMN** · 11-30-2022, 06:14 AM

During Alumalina 2022 - Jim Polk did a great seminar on insurance and trailer values. https://polkassociates-llc.com/
He gave some great advice on insurance types, pros and cons. Essentially he recommends an "agreed upon value" coverage so that you'll get the actual fair market value of your trailer vs. NADA (low ball) values.

We were on a USAA policy that used NADA as their guideline. We dropped them and went with Progressive for "agreed upon value". They were the only game for the New Hampshire market with that coverage. Your mileage may vary based upon State of residence.

One of the brokers he recommended was FCIS Insurance. We used them to fine tune the new policy. It was easy to do business with them. They were helpful and accommodating...they do lot's of RV stuff.

https://www.fcisinsurance.com/
(800) 331-1520145 S. 4th St. Forest City, IA 50436 Monday - Friday 8am - 5pm CST, Saturday 8am-3pm

Thiss · 12-01-2022, 08:11 AM

We went with National General. We got 5 years of total loss replacement and they valued that at its purchase price all for less than $20 a year. NGIC beat Progressive with better coverage by over $300 a year. Last year, when I shopped Progressive, for an estimate before we ordered, they were much more competitive. Something must have changed.