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Old 10-23-2013, 08:26 AM   #11
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Likewise I have been w/ State Farm since I got out of college. Homes, cars, boats, and several of each over the years. Have almost always received excellent service and fair pricing I think. At least I did until this RV thing came up with my new TT. I still think there is a tremendous value having a local agent fighting on your side, but they are limited in what they can do. In this case, the "home office" just didn't come off as having a clue about the ins and outs of RV insurance. That prompted my ?? in this thread.

I have a very close friend who has a marine boat service business. Both Geico and Progessive have ran him in circles on customer claims. In one case he submitted an estimate on replacing the lower unit [outdrive] on a damaged boat. They would not approve and wanted him to do a complete teardown and have old parts available for inspection by their claims person before they would approve new parts. Like he told me they wanted him to waste more labor costs doing the tear down than the whole repair was going to take as proposed. In the meantime the owner was sitting at the dock with out use of his boat. Replace boat with RV and you have the context of my questions. As an owner, I want fair premiums but prompt and fair claims service as well. Geico and Progressive seem to do the first pretty well. Claims [at least around here] are a whole different ballgame.

Now thinking about requesting a quote from Allied. Just got my renewal invoice for the next year and coverage for my White Hawk is $380 for a $1k deductable and who knows what specific coverages.
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Old 10-23-2013, 12:38 PM   #12
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Recommendation on RV Insurance

USAA if you can get it is the best.
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Old 10-23-2013, 03:52 PM   #13
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Had State Farm for over 40yrs. They dropped me like a hot potatoe when they found out we went full time. We never even had any claims in that time that were our fault. I dropped all my other inurance with them!
I wouldn't insure anything with them now!!
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Old 10-23-2013, 04:26 PM   #14
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I have a local State Farm agent who has been very helpful and supportive in other matters [not RV related]. I'm suspecting that these others Allied / Geico etc are online agents.

Our RV's are some of our largest personal assets outside of the obvious homes etc. There cost is all over the charts but generally are as much or many times more than the other vehicles we own. Yet most of us [myself included] are not clear and do not understand what coverages we have on our RV's. I'm just trying to learn as much as I can before I request a quote from one or more of the companies that y'all think are the best.

Appreciate your feedback.
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Old 10-23-2013, 05:46 PM   #15
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I'm suspecting that these others Allied / Geico etc are online agents.

Appreciate your feedback.
Allied is not available online. They are exclusively sold through independent agencies only, not company owned agencies like State Farm.

Oh, and I know State Farm agents think they own their agencies, but they don't -- ask if they can sell I or what they paid to get it. I only make that point because generally I think State Farm and their agents are great, but if push comes to shove the State Farm agent has to bend to State Farm or risk losing their agency. An independent agent maintains little more control over the situation and can simply start moving their customers policies to another provider -- of course with the insured in agreement.
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Old 10-25-2013, 12:46 PM   #16
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Just checked for a near by Allied Agent and found that "Allied currently does not write insurance in Kentucky.
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Old 10-25-2013, 03:04 PM   #17
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Thats unfortunate. Allstate has funny commercials -- maybe they also have good rates and service :-)
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Old 10-26-2013, 04:56 AM   #18
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Just checked for a near by Allied Agent and found that "Allied currently does not write insurance in Kentucky.
Now that's odd! my agent is located in Kentucky of all places!!

BTW Bassdogs, I'm not questioning your post. It just seems odd that Allied has an agent in a state they don't offer coverage. But I also know the insurance industry is fickle at best!
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Old 10-26-2013, 05:34 AM   #19
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Had State Farm for over 40yrs. They dropped me like a hot potatoe when they found out we went full time. We never even had any claims in that time that were our fault. I dropped all my other inurance with them!
I wouldn't insure anything with them now!!
X2

As soon as you mention you are Fulltime in your RV, the list of insurance companies to choose from gets quite a bit smaller.
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Old 10-26-2013, 08:06 AM   #20
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Now that's odd! my agent is located in Kentucky of all places!!

BTW Bassdogs, I'm not questioning your post. It just seems odd that Allied has an agent in a state they don't offer coverage. But I also know the insurance industry is fickle at best!
Well I went to the Allied website and did an agent search using my zip That was the message i got. It does seem strange, but if you're in NC then that is the state where your policy is issued and has nothing to do with where the agent lives. Wondering if the agents represent more than one company?

Guess I'll stick with ST F for now, as Geico, progressive, and anything Camping World sponsors are out of consideration.
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