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Old 09-10-2012, 01:04 PM   #11
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Ask a lot of questions; think of possible scenarios and directly ask those questions. For example; a coworker HAD RV specific insurance on their last TT. This spring it was caught in a flood at the CG. Their insurance company denied reimbursement on the TT as it had RV insurance and did not have a flood rider. At the time she still owed $27K on the TT.

I keep all my insurance with one company (State Farm), and have been very happy with them. The TT is covered under their automotive underwriter’s branch. I am fully covered as long as I keep comprehensive on the TT. I also have an additional Umbrella Policy. IF I would insure one of my classic cars, trailers or my house with another company my umbrella policy would not cover those items.


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Old 09-10-2012, 01:38 PM   #12
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Something we all need to always remember about insurance...

1) They are in business to make a profit.
2) Agents, Brokers and/or Sales Representatives; who ever we buy insurance from, has a fudicary responsibilty to the the insurance company not to the insured.

The trick is to find an agent/company who can properly help you indentify your risk and provide the appropriate policy to insure against the risk. I am always very wary against agents/brokers that focus exclusively on cost reduction to win a new customer.
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Old 09-10-2012, 01:48 PM   #13
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"For example; a coworker HAD RV specific insurance on their last TT. This spring it was caught in a flood at the CG. Their insurance company denied reimbursement on the TT as it had RV insurance and did not have a flood rider."

Curious, was it on a seasonal campsite or in a traditional nightly fee campground? I have heard with Seasonal Setups that changes all the insurance requirements.
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Old 09-10-2012, 10:15 PM   #14
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Thanks for the responses! All my insurance is with State Farm and I have a specific policy for the 5th wheel. I have always been happy with them but received an invitation for a quote from Good Sam a couple of months after I joined. Knowing about Good Sam, how long they have been around plus specializing in RVs, I called for a quote. In their policy, 1st-5th year they replace camper with comparable camper for a total loss. 6th year and after they pay you what you paid on the bill of sale. Policy also comes with $3,000 in content coverage and $25,000 in vacation liability insurance in case someone gets hurt at the camp site. There price is less than half with better coverage. Adding the TV saves another 10% with a little better coverage on it and the policy saves me almost $900 a year compared to State Farm.
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Old 09-10-2012, 10:31 PM   #15
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Clubhouse, yes they are seasonal. She stated their insurance company changed their policy about 2 years ago without their permission (not sure I believe this) to reduce their costs. Knowing my coworker she was only looking for the lowest insurance cost possible, without looking at the possible consequences.
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Old 09-10-2012, 10:49 PM   #16
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Quote:
Originally Posted by LA Scott View Post
Thanks for the responses! All my insurance is with State Farm and I have a specific policy for the 5th wheel. I have always been happy with them but received an invitation for a quote from Good Sam a couple of months after I joined. Knowing about Good Sam, how long they have been around plus specializing in RVs, I called for a quote. In their policy, 1st-5th year they replace camper with comparable camper for a total loss. 6th year and after they pay you what you paid on the bill of sale. Policy also comes with $3,000 in content coverage and $25,000 in vacation liability insurance in case someone gets hurt at the camp site. There price is less than half with better coverage. Adding the TV saves another 10% with a little better coverage on it and the policy saves me almost $900 a year compared to State Farm.
Sounds like a better deal than what you have now, $900 is a lot of fuel. Be careful though that your other policies don't increase if you begin to loose multi-car/policy discounts when you move something. Mighty be time for you too take a closer look at all of your policies. All of my insurance is with Allied Insurance, a Nation Wide company. Not available in every state, they are a particularly picky/risk adverse company. We have been very happy with them, although no major claims on any of our policies to date.
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Old 09-11-2012, 02:27 PM   #17
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Sounds like a better deal than what you have now, $900 is a lot of fuel. Be careful though that your other policies don't increase if you begin to loose multi-car/policy discounts when you move something. Mighty be time for you too take a closer look at all of your policies. All of my insurance is with Allied Insurance, a Nation Wide company. Not available in every state, they are a particularly picky/risk adverse company. We have been very happy with them, although no major claims on any of our policies to date.
Thanks, I will still have two other vehicles insured at State Farm so I will still have the multi discount. Will be checking on moving all my vehicles through Good Sam.
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Old 11-25-2012, 10:49 PM   #18
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Good Sam GMAC is what we have and am happy.
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Old 11-26-2012, 06:25 AM   #19
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We had Good Sam / GMAC Fulltimers coverage but at this years renewal they raised their price about 30% so I went shopping to see if I could do better.

Wound up going with Progressive Fulltimers Coverage, about the same cost the Good Sam / GMAC had been before the last renewal quote.
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