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05-08-2022, 05:36 PM
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#1
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Member
Join Date: Sep 2020
Location: Spokane
Posts: 30
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Insurance Provider for full-time rvers
Looking for an insurance provider for our TV, sedan and 5th wheel. Any suggestions?
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05-08-2022, 06:59 PM
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#2
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Senior Member
Join Date: Apr 2015
Location: Western New York
Posts: 605
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IMHO, I would consult an Independent Insurance Agent. They will be able to find you the best coverage and price from multiple insurance companies vs a captive insurance agent (State Farm, Geico, Liberty Mutual) who works for a single insurance company. Customer service and claims processing seem to be quite better with independent agents in my experience.
__________________
2015 Jayco Jayflight 27RLS
2012 Ford F-150
2001 Fleetwood Terry 28x
1996 Viking Pop-up
1979 Coleman 8 man cabin tent
1967 G.I Joe (hasbro) canvas pup tent
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05-08-2022, 10:19 PM
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#3
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Senior Member
Join Date: Sep 2010
Location: PNW
Posts: 5,195
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I had Progressive for full timers RV insurance, bought through an independent agent. Price was reasonable, about $400 per year, but that was for a travel trailer.
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Bill
2011 Dodge Ram 1500 HEMI Quad Cab
2011 Jay Flight 26BH
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05-09-2022, 04:51 AM
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#4
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Senior Member
Join Date: Jun 2019
Location: Livingston,
Posts: 258
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We have progressive through Hi Sage, but going to check directly going to progressive, we pay 1800.00 a year for a 2018 Jayco Seneca FS
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05-09-2022, 07:02 AM
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#5
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Senior Member
Join Date: Jun 2021
Location: Farmington
Posts: 209
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I too usually consult an independent insurance agent. It's really hard to beat the prices they can get if you find the right one.
If you choose to go direct, Progressive is a good start. Their prices are competitive and they offer a lot of bundled plans to save on multiple policies.
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05-09-2022, 07:52 AM
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#6
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Senior Member
Join Date: Aug 2018
Location: ridgecrest
Posts: 1,196
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State Farm has always done me well..
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05-09-2022, 07:58 AM
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#7
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Senior Member
Join Date: Apr 2018
Location: Natalbany Creek Campground, Amite City, LA
Posts: 3,244
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Progressive for sure.
__________________
AL & JANET KRUEBBE
2019 PINNACLE 37RLWS
2018 NORTH POINT 315RLTS (TRADED)
2017 RAM 3500 DRW DIESEL/AISIN 4.10 AIR BAGS
B&W COMPANION TURN OVER BALL HITCH
Formerly from Sequim, WA
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05-09-2022, 10:24 AM
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#8
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Senior Member
Join Date: Feb 2020
Location: On The Move
Posts: 1,201
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We have Progressive through USAA.... paid off in March when I damaged the back top corner of the Fifth Wheel.... little over $22K for repairs....whew! And they haven't raised our rates .... yet...
__________________
S&T
2019 Entegra Insignia 37MB
2022 JEEP Wrangler 4xe (chase and touring vehicle)
(2019 NP 383FKWS)
(2019 RAM 3500 DRW Big Horn)
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05-09-2022, 10:44 AM
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#9
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Senior Member
Join Date: Apr 2018
Location: Natalbany Creek Campground, Amite City, LA
Posts: 3,244
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Progressive RV insurance for full timers is as close to a home owners policy that you can get. I was with Liberty Mutual for over 30 years and when we went full time Liberty Mutual said "Sorry"! I had to switch all my casualty insurance to Progressive.
__________________
AL & JANET KRUEBBE
2019 PINNACLE 37RLWS
2018 NORTH POINT 315RLTS (TRADED)
2017 RAM 3500 DRW DIESEL/AISIN 4.10 AIR BAGS
B&W COMPANION TURN OVER BALL HITCH
Formerly from Sequim, WA
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05-09-2022, 03:58 PM
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#10
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Senior Member
Join Date: Sep 2010
Location: PNW
Posts: 5,195
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Quote:
Originally Posted by kirkelli
State Farm has always done me well..
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I had to go to Progressive because State Farm didn't offer full timer RV insurance, at least that was the case a few years ago. Maybe they've added full timer's to their offerings.
After I quit full timing I went back to State Farm. For the regular, recreational RV insurance I'm now paying a little over $100 per year.
__________________
Bill
2011 Dodge Ram 1500 HEMI Quad Cab
2011 Jay Flight 26BH
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05-09-2022, 05:04 PM
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#11
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Senior Member
Join Date: Mar 2015
Location: State of Confusion
Posts: 5,013
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This Company was once recommended by an independent agent:
https://www.foremost.com/products/motor-home/
I never did use them but it is an option as can be seen on their website and they do have independent agents.
Murff
__________________
Murff
2015 White Hawk 20MRB (It's last year)
2017 F150 2.7 Eco Boost 3.73 Gears
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05-12-2022, 03:18 PM
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#12
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Member
Join Date: Sep 2020
Location: Spokane
Posts: 30
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Thank you all very much. We will do some research. Appreciate all of the info.
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05-12-2022, 03:43 PM
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#13
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Senior Member
Join Date: Jul 2016
Location: Mapleton
Posts: 4,367
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Progressive, you choose the coverage, when parked at home I put collision on hold and reduce contents and liability to save quite a bit of money.
All on my phone from anywhere.
__________________
2017 SLX 195RB
2021 Jeep Grand Cherokee Summit L 5.7L V8
Andersen WDH hitch, Renogy 100 AH Lithium &
200 Watts solar panels from Renogy
Prev. '14 Jeep Grand Cherokee Overland, gas 3.6 V6
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05-25-2022, 12:52 PM
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#14
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Member
Join Date: Oct 2018
Location: Norman
Posts: 31
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Keep in mind that independent agents earn their money from commissions paid by the insurance company. You don't get a better deal going directly to the provider and you get the benefit of the independent checking multiple insurers to get you the best deal.
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