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Old 11-05-2018, 01:31 PM   #1
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Insurance Question

My Son and I both are having trouble insuring our vintage Air Streams. Seems like our company doesn’t like agreeded value. Been getting the runaround. Has anyone had dealings with USAA in reference to agreed value. Thinking about moving nine policies if I feel comfortable with the AS issue. Thanks
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Old 11-05-2018, 01:55 PM   #2
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USAA quoted me a MUCH higher cost for my 7 policies than AAA.

I have an agreed value on an older motorcycle with AAA not batting a lash.
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Old 11-05-2018, 02:21 PM   #3
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Hi

Once you get into older vehicles (not just RV's) insurance becomes more difficult to find. That's not just true of an assured value policy. Toss in assured value and you narrow things further. Indeed some will quote you "don't bother me go away" sorts of prices, others will simply not quote a price.

All of this is on top of how this or that company actually performs. Just as with more conventional insurance, you very much want a company that will cover a loss if you have one.

With a trailer there are various subtle distinctions that may not be obvious when casually looking at things. Does the policy cover it while in motion / hooked to a TV? What if it separates from the TV and later runs into something? (yes, I know of a claim denied this way). Does it cover the trailer in storage? How about at a camp site? How about the contents of the trailer? Flood, wind, fire, falling trees, hail, bear attack .... what is and isn't covered? Liability when the trailer does damage to something else?

Indeed there are a multitude of subtle issues past the basic "what is it worth?" question. Since there are few(er) regulations about covering a trailer, the companies sort of get to make it up as they go along ..... Also with no outside group digging into the details, there is no reference you can go to and see if policy A really is the same as policy B ....

Yes, it's a mess ....

Bob
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Old 11-05-2018, 02:24 PM   #4
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I have an agreed value policy with State Farm on my 68 Trade Wind. I have been a customer for many years and have house and car with them so that might make a difference.
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Old 11-06-2018, 07:46 AM   #5
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Hi

What you can or can't get from this or that company is also going to vary state to state.

Bob
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Old 11-06-2018, 08:29 AM   #6
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Check out.
https://vintageairstreamclub.com/wp-...ce_May2014.pdf


And
https://vintageairstreamclub.com/wp-...nAppraisal.pdf


Both good articles on Airstream insurance in general.


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