RV Insurance

[Dwight]

Who is the best insurance carrier? Are you happy with your present carrier? Any bad experiences?

I have been with Foremost and so far have not had any problems.

Has anyone looked at <www.explorerrv.com>?

[Pick]

I just got my bill for my Airstream trailer, which is an add on to my pickup truck. $18.40 for collision and liability. Probably should add comprehensive.

[overlander64]

I have had Foremost insurance for the past three years on my '64 Overlander and also purchased a policy from them for my '78 Argosy Minuet. The major issue that I have had to address in purchasing insurance for these two rigs is their collectability issues. The typical RV insurance policy would value either coach at a maximum of $4,000.00 without special riders.

Foremost was one of only three carriers in my area who would consider issuing stated value/agreed value insurance for either of my Trailers. With the stated value/agreed value riders, the insurance on my Overlander is just short of $200 per year for all major perils and my '78 Argosy is just short of $125 per year for the same coverages.

Prior to Foremost, I had insured my Overlander with American Family. They had excellent coverage, but do not make more than two (2) claims in a five year period [for all policies held with company]!!!. When I made my third claim during a five year period [I had policies on my home, five cars, and the Airstream as well as an Umbrella Liability policy], they cancelled [declined renewal was their terminology] my coverage - - but then offered to reinstate coverage if I would agree to a 300% increase in my rates! Needless to say I immediately went out and found another carrier who gladly wrote coverage replicating that (even better in some instances) which I had with American Family.

Prior to my experience with American Family, I didn't subscribe to the idea of shopping all insurance coverage once every five years. Now, I am not so certain that such a process might be a GOOD idea.

Kevin

[Inland RV Center, In]

Foremost has a habit of depreciating sheetmetal.

Wow!!!!!

How do you put a life expectancy on Airstream sheetmetal?

Other companies don't do that, and never have.

Remember, Foremost is a giant, but in the "mobile home" industry, not the RV industry.

Generally speaking, their claims handling of an Airstream loss, leaves much room for improvement.


Andy
inlandrv.com
airstreamparts.com
airstreamcandy.com

[jeanarlene]

I have minimum coverage for Airabelle with my auto insurer and want to get better coverage--like towing and higher replacement allowance in case Airabelle has another disaster. (Remember she had a window shot out a few months ago.) I was told that I would have to get some kind of documentation from a reputable source as to her value before they would up their coverage. Where that source might be I don't know. The Airstream dealer in my area laughed when I asked him about her worth. That was many dollars ago, before I began Airabelle's rennovation. I don't plan to go back to that dealer again--ever. He of little faith.

I have received RV insurance ads from Camping World, Good Sam and the Escapees, all of which I'm a member, but haven't inquired about specifics. Has anyone looked into their policies?

[Dwight]

I am also not impresed with Foremost, hence the looking around now before my coverage ends. Is it wise to tie the coverage to you auto/home policies like a lot of folks do?