Originally Posted by Suzel
Thanks for your help. I have done a bit of research and have decided that I want a specific policy not obtained through my auto insurance company. I have State Farm for all of my other needs. I have been told that it is best to have a specific RV policy. 100% replacement is important to me rather than depreciated value as one has with auto policies. Thanks again.
I 100% agree you want an RV specific policy; not a rider to your Auto, home or any other policy you may be able to do that with.
However unless you are upset with your current insurance company or agent, I don't see why you wouldn't get a quote from State Farm. They can certainly write a RV specific policy and you will likely get multi-policy discount.
Replacement value isn't always an option, typically it's only an option for the first ~5 years assuming you bought new. If you RV is more than 5 years old or you didn't purchase new it might not be an option for you. In that case you get replacement value, not depreciated value although replacement will certainly include some depreciation, or you could try to get an "agreed value" policy.
All of my insurance is with Allied Insurance, division of Nationwide, and we are very happy with them but they don't write in every state and you must go through an individual agent as they don't quote direct.