Insurance carrier will only insure $6900

[bobglasheen]

1994 25ft Excella . My insurance company will only insure the NADA value. Which would not replace my airstream. I ask for "stated Value policy' They would not do it. Any ideas would be appreciated.

[dbj216]

I did an "agreed value" policy on my 86 Limited. You're right, the NADA used RV values are not market values. My auto insurance folks would not do an "agreed value" policy. So I used these folks:

Farm & City Insurance Insurance Agency
145 South 4th Street, Forest City, IA 50436
(641) 585-2925

They are insurance brokers who specialize in RV insurances and represent insurance companies who do agreed value insurance. I'm sure there are others. I'm from Iowa so using these folks was a natural for me. Forest City is the home of Winnebago which may explain the expertise in RV insurance. It's a nice little town. Everything was done on the phone, I did not have to travel there.

I had to pay for an appraisal of my trailer. That is the amount less deductable that I'm covered for if a tree falls on it, or it burns up somehow. I have too much into it just to take the loss. Farm and City recommended an appraiser for me. It was easy and the premium is very reasonable.

And dog gone the luck, I hit a "road gator" truck tire tread laying smack dab in the middle of the highway. I was following a semi and did not see it. It did quite a bit of damage to my banana wrap and belly wrap curb side. The policy covered this damage thank goodness. I am grateful.

Hope this helps...

David

[AWCHIEF]

Check out Foremost and Progressive. Both offer agreed value policies. Keep in mind that many times insurance coverage and rates is governed by state laws.

[jerry1939]

Airstream insurance coverage: 4/14/2015

I just recently (3 weeks ago) purchased a 1993 30' airstream. Book value is around 7K. We all know that book value is out the window as compared to market value. If you want your Airstream properly insured this is what I did to get the proper coverage:

I contacted Farm and city insurance services (F&C) in Forest City IA. 1-800-331-1520. Their under righter for me is Allied Insurance. (you have options, Progressive is one) If you contact them they will need (among other info) an appraisal (ask them for appraisers they accept). Cost for mine was about $275.00. Send farm and city a copy. Appraisals can be done several ways. 1. An appraiser comes to your location (most expensive) 2. You take your A/S to their location or 3. In some cases you can have it done by E-mail with about 20 photos one being the data plate showing the vin number. F&C will tell you what photos they need. Farm and city will accept their word and you can get coverage for the full appraised value or any number less. F&C will also ask you how you use it and where it's stored. My answer was 10 times a year and In my yard. If you have covered storage let them know. I have $500 deductible. (500 or 1000 is standard) My policy is under $400 per year for C&C. It also is covered for Vacation Liability at $1,000.000. Custom equipment at 1K, Replacement of personal effects 1K, Roadside assistance $750.

WARNING: THE TYPE OF POLICY YOU WANT IS CALLED AN "AGREED VALUE POLICY' DO NOT ACCEPT STATED VALUE OR ANY OTHER TYPE OF POLICY. This policy will cover your loss up to the appraised value or any other lower number you wish to choose. My new agent at F&C Reana Hopp.

Good luck; Jerry1939

[J. Morgan]

I got an agreed value policy from Blue Sky, I needed an appraisal, but other than that it was very easy.

Even the appraisal was done over the internet, it cost me a couple hundred.


1/2 Ton 4WD Truck, 72 Sovereign Hensley Arrow

[dznf0g]

I have Farm and City as well, Agreed Value. I've had no claims, but the procurement process was very well handled.

[MaineStreamer]

Please let us know the dollar amount of coverage you were able to get by "agreed value", and the amount of your annual premium. Thank you.

[SteveH]

Been using State Farm for years, and never a problem. I tell them what I paid, send them some pictures and all the data, they send me a bill and I pay it.

[AWCHIEF]

I have Progressive thru AARP for my 2006 Safari. Agreed value and no survey required. It was a couple of hundred cheaper going thru AARP than dealing direct with Progressive.