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09-20-2018, 05:30 PM
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#1
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Junior Member
Join Date: Sep 2018
Location: Stafford
Posts: 11
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RV Insurance
I searched but could not find any posts on RV insurance. Would anyone be willing to share who they insure their RV with ? I've been searching and reading on several RV insurance companies (including Good Sam) and would appreciate anyone's recommendations.
Wally and Rose
Class C
2019 Jayco Grayhawk 30X (pick up in about 3 weeks  )
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09-20-2018, 05:32 PM
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#2
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Member
Join Date: Dec 2017
Location: Cottonwood
Posts: 33
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I have mine on my geico auto policy.
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09-20-2018, 05:35 PM
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#3
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Senior Member
Join Date: Nov 2017
Location: anytown
Posts: 1,751
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We received the best rate this year by bundling with our home and auto company State Farm, after using Progressive for many years.
The Progressive and Farmers quotes were much higher this year, for us.
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09-20-2018, 05:41 PM
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#4
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Junior Member
Join Date: Sep 2018
Location: Stafford
Posts: 11
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Insurance
Thank you!
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09-20-2018, 06:04 PM
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#5
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Senior Member
Join Date: Sep 2013
Location: Rancho Mirage, CA
Posts: 713
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We use the Good Sam plan. National General is the insurance company. For us, they had the best rates.
__________________
Diego the German Shepherd & Family
2021 Ford F-250 Crew Cab, 7.3 Gas-10 speed
2006 Toyota Sequoia-Sold
2015 Jayco Jay Flight 23MB Elite
Previous RV's, 1988 33-foot Barth Class A and 1994 Flagstaff Pop-Up
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09-20-2018, 06:20 PM
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#6
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Senior Member
Join Date: Mar 2018
Location: Granbury
Posts: 829
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Geico
__________________
2018 Greyhawk 29MVP
2018 Jeep 4 Door Rubicon Recon
Retired and Under New Management (See Spouse For Details)
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09-20-2018, 06:23 PM
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#7
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Senior Member
Join Date: Jun 2017
Location: Cicero
Posts: 206
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Progressive here. Best rate for us.
__________________
Gary & Elaine
Cicero, NY
2017 Precept 35S
2021 Jeep Wrangler toad
Roadmaster Nighthawk tow bar RviBrake3
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09-20-2018, 07:16 PM
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#8
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Site Team
Join Date: Jan 2011
Location: James Island, SC
Posts: 22,859
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__________________
 Moderator
2011- 351RLTS Eagle, MorRyde suspension/pin box,
2017- F350 6.7 PSD Lariat FX4,SRW, SB,CC
Hughes PWD SP-50A, TST TPMS
Gator roll-up bed cover
B&W Turnover ball, Companion Std hitch
Can't find what you're looking on JOF? Try Jayco Owners Forum Custom Google Search
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09-20-2018, 07:43 PM
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#9
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Senior Member
Join Date: Oct 2016
Location: Lower Alabama
Posts: 1,482
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We bundle ours with our home and cars through Farm Bureau.
__________________
2018 Jayco Eagle HT 28.5 RSTS
2017 Ford F-250 Lariat FX4, 6.2L, 4.30 gears
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09-20-2018, 08:00 PM
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#10
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Senior Member
Join Date: Jun 2017
Location: Hilton Head Island
Posts: 295
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Progressive
__________________
Susan, Ed & Ellee (RIP) Katz
2018 Jayco 29MV
2018 Chevy Equinox
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09-20-2018, 08:17 PM
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#11
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Senior Member
Join Date: Mar 2017
Location: Redding
Posts: 120
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Bundle ours with State Farm
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09-20-2018, 08:38 PM
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#12
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Senior Member
Join Date: Dec 2015
Location: Pennsylvania
Posts: 1,880
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Quote:
Originally Posted by Desert RVers
We use the Good Sam plan. National General is the insurance company. For us, they had the best rates.
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Same here.
Plus, I like the storage part of the policy.
__________________
2012 Ford Expedition EL
2016 28BHBE, Elite and Thermal Packages.
Equal-i-zer 4-point Sway Control, Southwire 34930 Surge Guard 30A, Tire Minder TPMS A1A
(2) Yamaha EF2000iS Generators, Micro-Air EasyStart™ 364 (3-ton) Soft Start, Garmin RV 890, GoodYear Endurance ST225/75-15 Load Range E
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09-20-2018, 09:00 PM
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#13
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Senior Member
Join Date: Apr 2018
Location: Perryton
Posts: 686
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Was bundled with State Farm, until 2017. Rates for house/car/rv went up from $4,860/yr to $6,810/yr. I'd been with SF since 1969 and no claims since 2002. Got various quotes, Germania wouldn't insure the RV, Geico didn't offer coverage for more than one 'out building' (I have three including a 24x30 garage), Allstate wouldn't carry longevity discount, Nationwide isn't...ended up with AAA Texas. Better coverage than SF on the RV, better coverage on the house, cars same coverage...$4,258/yr.
__________________
Eric & D.Ann Riddle
2018 Nissan Titan CC SV rwd
2018 Jayco Jayfeather 23RL
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09-21-2018, 12:53 PM
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#14
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Junior Member
Join Date: Aug 2018
Location: Hampshire
Posts: 7
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We had National General or Good Sam for the first 3 years on our old RV until we broke down in Jacksonville FL. Good Sam denied our claim on everything including towing, repair, car rental, vacation interruption ect... Now we bundle and deal directly with Progressive. We are covered for anything including A/C units, fridge, towing, engine, vacation interruption ect.... The best part about my mistake in believing Good Sams adds and not reading the fine print is that Progressive not only covers more, they do it for less money.
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09-21-2018, 01:19 PM
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#15
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Senior Member
Join Date: Dec 2014
Location: FL
Posts: 11,281
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Welcome to the forum.
Thanks for the heads-up on Good Sam. We'll check their fine print.
__________________
Sherm & Terry w/rescue Eydie (min Schnauzer) & Charley (std Poodle)
SOLD:2015 Jay Flight 27RLS, GY Endurance (E), Days: 102 '15, 90 '16, 80 '17, 161 '18, 365+ '20
SOLD: 2006 Ford F350 PSD, 4WD, CC, LB, SRW, Camper pkg., 375,000mi
Full timing: Some will think you're crazy, some will be envious, just enjoy the freedom!
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09-21-2018, 02:48 PM
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#16
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Senior Member
Join Date: Jul 2016
Location: Mapleton
Posts: 4,378
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State Farm kept ramping up our premiums and deductibles. Had a hail claim on the house that they fought tooth and nail after being with them over 30 years.
Allstate agent took a lot of time explaining what we could buy and what it would cover, house, car, rv and liability umbrella. For about $200 less a month we got better coverage. Not perfect, but better.
__________________
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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09-22-2018, 12:19 PM
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#17
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Senior Member
Join Date: May 2016
Location: Chelsea
Posts: 364
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Quote:
Originally Posted by GMA385
Progressive here. Best rate for us.
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Same here. They were half what everyone else was charging. Even in Michigan where rates are sky high it was only $600 per year for the RV.
__________________
2021 Entegra Odyssey 31F
2015 Jeep Wrangler Unlimited
Ready Brute Elite Tow Bar
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09-22-2018, 01:48 PM
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#18
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Senior Member
Join Date: Mar 2018
Location: Granbury
Posts: 829
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Quote:
Originally Posted by foglght
Same here. They were half what everyone else was charging. Even in Michigan where rates are sky high it was only $600 per year for the RV.
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I see from your signature that you rent your motorhome out...I wonder if that $600 a year insurance policy would cover if they knew you rented? Just seems like a awfully light policy for all that exposure. Not that it won't but something I would check out. After the accident and someone gets injured is not the time to find out they won't cover you!
__________________
2018 Greyhawk 29MVP
2018 Jeep 4 Door Rubicon Recon
Retired and Under New Management (See Spouse For Details)
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09-22-2018, 01:50 PM
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#19
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Senior Member
Join Date: Mar 2015
Location: Port Orchard
Posts: 2,065
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Quote:
Originally Posted by GMA385
Progressive here. Best rate for us.
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Quote:
Originally Posted by foglght
Same here. They were half what everyone else was charging. Even in Michigan where rates are sky high it was only $600 per year for the RV.
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Interesting! They just jacked my rates up to $1000 for basically the same rig. No tickets or claims in 12 years of using them. I jumped over to Good Sam for $569. Talked to an agent at Good Sam and he wanted to charge me $876. Got a quote on line by filling out the forms (didn't have to talk to anyone) and got the much lower quote. These places do some crazy stuff.
Good Sam's policy exclusion specifically mentions that it won't be covered if rented out.
__________________
Don
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09-22-2018, 01:56 PM
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#20
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Senior Member
Join Date: May 2016
Location: Chelsea
Posts: 364
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Quote:
Originally Posted by cabinetmaker
I see from your signature that you rent your motorhome out...I wonder if that $600 a year insurance policy would cover if they knew you rented? Just seems like a awfully light policy for all that exposure. Not that it won't but something I would check out. After the accident and someone gets injured is not the time to find out they won't cover you!
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Of course they wouldn't cover me for any damage a renter did. The 3'rd party sites now (which is the only thing I use now) provide insurance coverage for the rentals. And they do follow through on their coverage (3'rd party rental coverage) as I have been forced to use it once already.
I would never expect Progressive to cover damage that a renter did.
__________________
2021 Entegra Odyssey 31F
2015 Jeep Wrangler Unlimited
Ready Brute Elite Tow Bar
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