Jayco RV Owners Forum
 


Reply
 
Thread Tools Display Modes
 
Old 11-29-2015, 02:56 PM   #1
Senior Member
 
Join Date: Oct 2015
Location: Worcester
Posts: 936
Insurance

Hi Folks,

I'm in the process of purchasing a new jay flight 38fdds.
Insurance is tough to get for a seasonal (park model) as no one wants to provide coverage in a coastal zone. As a result, I have my current trailer on my auto policy because I couldn't find a stand alone insurer. As long as it has wheels and is a road worthy rig, adding to auto policy hasn't been an issue and I pretty cheap. I'm covered while its parked for hazards such as falling trees, hurricanes, etc...

How do you folks insure your rigs? Do you have separate policies? Or do you add it to your auto policies? What happens when financing a rig? Is the auto policy sufficient? I'm hoping to pay cash for my new rig when it arrives in January, but incase I decide to finance a portion I'm wondering what type of insurance the bank will require.

Thanks in advance.... John
__________________

jloco is offline   Reply With Quote
Old 11-29-2015, 03:04 PM   #2
Senior Member
 
Grumpy's Avatar
 
Join Date: Nov 2011
Location: Where ever the boss says we're going.
Posts: 5,047
Our agent switched us to a seperate policy with Progressive all the rest of our Ins is with Cincinnati Financial (house cars and investment property). Agent said Progressive did a better job with specialized policies (Rv motorcycle etc) and it was cheaper.
__________________

__________________
DISNEY LOVERS
PINNACLE 2015 38FLSA. aka: "Roam Sweet Home"
Grumpy is offline   Reply With Quote
Old 11-29-2015, 03:10 PM   #3
Senior Member
 
Join Date: Oct 2015
Location: Worcester
Posts: 936
Quote:
Originally Posted by Grumpy View Post
Our agent switched us to a seperate policy with Progressive all the rest of our Ins is with Cincinnati Financial (house cars and investment property). Agent said Progressive did a better job with specialized policies (Rv motorcycle etc) and it was cheaper.
Thanks grumpy... Therein lies the problem. For some reason Progressive doesn't offer RV coverage in Massachusetts.

They mention 'offering it soon', whatever that means. Same story with Farmers, Liberty Mutual and a couple of others I checked, however Liberty Mutual lets me add it to my auto policy. I too would like to get a separate policy for the new rig.
jloco is offline   Reply With Quote
Old 11-29-2015, 03:12 PM   #4
Senior Member
 
SmokerBill's Avatar
 
Join Date: Sep 2010
Location: PNW
Posts: 2,699
Try going to an Independent Agent that carries several lines of insurance. They might be able to find something for you.
__________________
Bill
2011 Dodge Ram 1500 HEMI Quad Cab
2011 Jay Flight 26BH
SmokerBill is offline   Reply With Quote
Old 11-29-2015, 03:18 PM   #5
Senior Member
 
Join Date: Oct 2015
Location: Worcester
Posts: 936
Quote:
Originally Posted by SmokerBill View Post
Try going to an Independent Agent that carries several lines of insurance. They might be able to find something for you.
Thanks Bill... That would be my next move. All my insurance needs are currently handled through Liberty mutual through work. I think it's time to visit an independent agent for not only the new rig, but ALL my insurance needs.
jloco is offline   Reply With Quote
Old 11-29-2015, 03:20 PM   #6
Senior Member
 
Grumpy's Avatar
 
Join Date: Nov 2011
Location: Where ever the boss says we're going.
Posts: 5,047
How about GEICO?
__________________
DISNEY LOVERS
PINNACLE 2015 38FLSA. aka: "Roam Sweet Home"
Grumpy is offline   Reply With Quote
Old 11-29-2015, 03:34 PM   #7
Senior Member
 
Join Date: Oct 2015
Location: Worcester
Posts: 936
When I try to get an online quote, it asks a peculiar question:

Is the RV primarily kept in the states of NC, NH, MI or MA?
Yes No

When I answer yes, it immediately kicks me out of the quote info page and tells me to call. I'm assuming they're like all the others, but want me to call so they can take a stab at grabbing my other policies! Lol!

I'll call them this week, but I have the feeling from my online experience, that they'll say they don't provide coverage in Massachusetts.
jloco is offline   Reply With Quote
Old 11-29-2015, 03:34 PM   #8
Member
 
Join Date: Jul 2014
Location: Roxbury Twp
Posts: 78
My lender requires full insurance. I have 15 days to provide proof of insurance or they will take out a policy for me. My current policy is $325 per year and it covers total replacement, trip insurance, the whole gamut. Your lender may also require a disclaimer on your insurance policy indicating they are a lien holder (my lender requires this). PM me for the name of my insurance agent - he is licensed in 10 states or something.
As far as taking it off the lot initially, your auto insurance Is sufficient.
__________________
2012 Ram 2500 Crew Cab 5.7 Hemi
2015 Jay Feather SLX 26BHSW
njdanmc is offline   Reply With Quote
Old 11-29-2015, 03:54 PM   #9
Senior Member
 
Join Date: Oct 2015
Location: Worcester
Posts: 936
I wonder what's up with:

Is the RV primarily kept in the states of NC, NH, MI or MA?
Yes No

Do folks in any of these states find it hard to get insurance?
jloco is offline   Reply With Quote
Old 12-01-2015, 08:44 PM   #10
Senior Member
 
Join Date: Mar 2012
Posts: 158
Insurance

We are seasonal in Massachusetts also. A lot of the families at our campground use Foremost Insurance.

On another note, where in Massachusetts do you camp. We are at Peters Pond in Sandwich MA.
__________________

__________________
2015 Jayflight 34RSBS
safetylady is offline   Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


» Virginia State Campgrounds

Reviews provided by

Powered by vBadvanced CMPS v3.2.3

All times are GMT -6. The time now is 11:24 PM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.
Copyright 2002-2016 Social Knowledge, LLC All Rights Reserved.