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Old 04-03-2015, 11:26 AM   #1
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Insurance

Want to change from Progressive insurance. Would like some other names of a good company for our Jay Flight Swift. Thanks!
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Old 04-03-2015, 11:51 AM   #2
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We have State Farm. $189/year with a $500 deductible.
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Old 04-03-2015, 11:54 AM   #3
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A newbie here, The first thing I did was to get several quotess. The majority came within a couple of dollars. For me, it came down to promptness, curteous and honesty.
Our decisions was;

Pam Cunningham
Borden RV Insurance Agency
P.O. Box 11329
Goldsboro, NC 27532
1-800-446-9699
Fax 919-751-7494

Being a newbie, she answered all my stupid questions. Told me how to save money once our TT is at the campground. She also explained to me what I would need to do should we decide to venture out with the TT. I hope this helps. Also, please know I am not pushing this company, but so far, I have confidence with them. Good Luck!
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Old 04-03-2015, 12:43 PM   #4
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The $189/yr. from State Farm is interesting. Just purchased $500 deductible from them on new Jay Flight 23rb and it was $360/yr. That's almost double. Will have to check into this unless Missouri rates are that much higher. We also have vehicle coverage with them.
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Old 04-03-2015, 12:52 PM   #5
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Insurance

Thanks for your help. I have done a bit of research and have decided that I want a specific policy not obtained through my auto insurance company. I have State Farm for all of my other needs. I have been told that it is best to have a specific RV policy. 100% replacement is important to me rather than depreciated value as one has with auto policies. Thanks again.
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Old 04-03-2015, 01:00 PM   #6
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USAA is our insurance company BUT they insure RVs through Progressive; we instead elected to insure the RV through a direct policy with Foremost.
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Old 04-03-2015, 04:30 PM   #7
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Quote:
Originally Posted by gloryb View Post
The $189/yr. from State Farm is interesting. Just purchased $500 deductible from them on new Jay Flight 23rb and it was $360/yr. That's almost double. Will have to check into this unless Missouri rates are that much higher. We also have vehicle coverage with them.
Yes, location has an influence on your premiums. My DW works for State Farm. She also has told me other factors can affect your premium. Past claims, multi policy discount and even your credit scores.
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Old 04-03-2015, 04:41 PM   #8
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No past claims except from 2 deer claims! Credit scores are not an issue. We do have 2 vehicle policies, 1 disability income policy, and 2 rental properties insured with them. I would assume that counts for multi-policies. Homeowners is now with another company. The difference in rates may be due to the amount of liability coverage we have.
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Old 04-03-2015, 04:41 PM   #9
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Originally Posted by Suzel View Post
Thanks for your help. I have done a bit of research and have decided that I want a specific policy not obtained through my auto insurance company. I have State Farm for all of my other needs. I have been told that it is best to have a specific RV policy. 100% replacement is important to me rather than depreciated value as one has with auto policies. Thanks again.
I 100% agree you want an RV specific policy; not a rider to your Auto, home or any other policy you may be able to do that with.

However unless you are upset with your current insurance company or agent, I don't see why you wouldn't get a quote from State Farm. They can certainly write a RV specific policy and you will likely get multi-policy discount.

Replacement value isn't always an option, typically it's only an option for the first ~5 years assuming you bought new. If you RV is more than 5 years old or you didn't purchase new it might not be an option for you. In that case you get replacement value, not depreciated value although replacement will certainly include some depreciation, or you could try to get an "agreed value" policy.

All of my insurance is with Allied Insurance, division of Nationwide, and we are very happy with them but they don't write in every state and you must go through an individual agent as they don't quote direct.
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Old 04-03-2015, 08:40 PM   #10
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How are you going to use the tt, also affects the insurance rates. Coworker did and rv specific insurance and a once in a 100th year rain storm came through flooded the camp and totaled the tt. Insurance did not cover the 3 month old tt, as it did not have flood insurance coverage. With my auto coverage I am cover no matter what happens.
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