Quote:
Originally Posted by DamonBecky
Northpoint 361 REQS 2016,
Farm Bureau, $360/6 mos
So far satisfied w claims.
But on last claim they depreciated "fabric" slide cover awning by 30% because of age. I grunted a bit about that, but hit a roadblock.
Still, satisfied w service. We have home & auto multi discount.
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Similar to Damon and Becky, I went with Farm Bureau (FB) as they had the best value (imo). I have USAA for most of my insurance needs but they didn't have a motorhome insurance option for me in Texas, and Progressive which I have heard lots of good reports about was almost double what Farm Bureau costs.
I will add a point to share and I am not sure how common or what insurance companies offer this rider, I purchased my RV for about half of what the current market price was at the time due to having a good relationship with the seller, and most of the insurance companies I spoke with told me that if I encountered a total loss that they would pay my purchase price minus depreciation, however when I explained to FB that my purchase price was a lot lower than the replacement cost they offered me a rider for a "declared value" which means that I was able to insure my RV with them and specify the RV's value that would be paid out in case of a total loss which in my case is more than the purchase price. I didn't ask a lot of details and I doubt they (or any ins co) would allow the declared price to be higher than the book value, but in my case I wanted to at least be able to replace mine if the need occured... now that mine is ~11 years old I may go back to just liability insurance, not sure yet and would only do so if I could save enough to justify the risks I would be taking on. I haven't had any need for any claims and have owned it for ~7 years now. ~CA
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