Jayco RV Owners Forum

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Old 10-22-2013, 07:35 AM   #1
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Recommendation on RV Insurance

Where do you get the best coverage for your RV? TV adds hype one company or another to save$$ or get custom coverage. I have done research with the people I know with houseboats and RV's and the answers are all over the map. I have consistently heard war stories about Progressive and Geico. With them, you may save some $$ on premiums but face some real nightmares with a claim. I am insured with State Farm [Home, auto, boats, and now my White Hawk]. I got upset with my agent when the key fact that they wanted to determine coverage costs was the MSRP on my new White Hawk. I told them exactly what I paid for it [2014 new] but they wouldn't move forward without the MSRP. I told him, that when I add a car to my account, they don't do the same thing. They go to a valuation book and base coverage and premium on that and my history.

Problem here is that the MSRP on an RV is 25 - 30% over the retail value right out of the box. Anyone buying an RV knows [or should] this. So my insurance is going to be priced on an inflated value and like I told my agent, a value they would not use to determine what they would pay if it was totaled. In the end, I got a 15% discount from St Farm without explaination.

I'm very interested in what others have learned and why they went with one over another.

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Old 10-22-2013, 08:56 AM   #2
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RV America was recommended to me by an RV finance person with close to 30 tears of experience. I was told I would probably end up with Progressive (I did.) or Geico going through them. You can get the same policy by either company a little less expensive by dealing direct. The difference in dealing with the actual insurance company you end up selecting is that RV America is your agent.

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Old 10-22-2013, 09:43 AM   #3
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I dropped Good Sam and combined everything with my State Farm account.
They recently updated their road side assistance to be the same as Good Sam.


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Old 10-22-2013, 09:58 AM   #4
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We got a really good quote through Allied which is a subsidiary of Nationwide. We've kept the coverage with them since purchasing. We also upgraded our AAA to include RV. We are very satisfied. My advice is shop around.
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Old 10-22-2013, 10:11 AM   #5
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Originally Posted by Kave&Lucky View Post
We got a really good quote through Allied which is a subsidiary of Nationwide. We've kept the coverage with them since purchasing. We also upgraded our AAA to include RV. We are very satisfied. My advice is shop around.
X2 for Allied.

They aren't available in every market, but if they are available where you live I suggest getting a quote.

Coverage was based off purchase price not MSRP.

GAP like coverage is included. Basically for the first 5 model years, if totaled, replacement value is determined by the same TT but in current model year. I really liked this, plus vacation liability coverage, and roadside coverage for both TT and TV at ~$200/year with 250 deductible, it couldn't be beat -- with a company I trust.
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Old 10-22-2013, 06:04 PM   #6
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I have Geico and am fairly happy with them. While I have only had a glass claim or two it was painless and quick when dealing with them. That being said there is a difference in coverage and one you really need to look at when you obtain the coverage for your unit. A key point in the coverage is one in when you disconnect are you covered? If you do not specify the coverage to be RV specific you could be in a bad spot should something happen while in a site and not connected. Another option offered was current year replacement should my unit be totaled. In other words if my 2011 was totaled I would be paid enough to buy a 2014. The other options include medical coverage for anyone hurt while camping and roadside assistance.

Liabilities are a different deal and will be enacted once you are connected to your TV. My advice is to ask a lot of what if's and then quote like coverage across a few providers.

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Old 10-22-2013, 06:56 PM   #7
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We have our ins with State Farm. They did not base the ins on MSRP, but on book value, including all optional items. We went over the list of options, and included them in the insurance. They even insure my portable Progressive Industries EMS box at full replacement value, as long as I only use it with the trailer. I have been with them for 47 years, and never a problem. Had a very bad experience with GEICO before switching to SF, and would never return to them.

I think your bad experience with SF is probably because of your agent, not the company. I once had an accident that was the other driver's fault, but both of us were with SF. The other driver's agent tried to pin some of the blame on me, but my agent stood up to him and told him where he had gone wrong. In the end, the other agent admitted he improperly tried to get his client out of some of the blame, so that shows that not all agents are honest, even if the company is good.
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Old 10-22-2013, 08:16 PM   #8
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American Family for all our home, auto and camper coverage. Have used them for over 20 years and couldn't tell you if they are the cheapest or not as I have never shopped around. I do know anytime I have ever needed them, including back in 2012 when a tornado completely destroyed our 1 year old Jayco, they stepped up and took care of us better than I expected.
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Old 10-22-2013, 08:25 PM   #9
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I'll put in a plug for The Hartford through AARP....saving $1,000 a yaer (3 vehicles and TT) and have better coverage than Nationwide (who I left after 23 years). You have to be an AARP Member to get the best discount, though....
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Old 10-23-2013, 12:30 AM   #10
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I've had Foremost for over 30 years. Never any problems with them - highly recommended!

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