Insurance? - Page 3

thomasaburt · 08-01-2018, 02:01 PM

We also have Nationwide (Nationwide Assurance) and our annual premium is $183.83.

This is our breakdown
Comprehensive with a $250 deductible - $103 premium
Collision with a $250 deductible - $74.40 premium
Awning Replacement - $5.91 premium
Includes $10,000 vacation liability, Custom equipment $1000 limit, Roadside Assistance $750 limit and also includes vanishing deductible. NO Mexico coverage

We also have our home/cars with them so we do get a multi-policy discount.

Do you need/want all of the different add ons you currently have? Liability follows the tow vehicle, so there is not a great need for liability coverage. Your homeowners policy provides "some" coverage for personal items while camping.

We have a 2017 Jayco Hummingird and have it insured to value of $24K. This is in New York where we are known for not having the cheapest rates

. As far as I know, your driving record does not affect RV policies and they aren't surcharged for losses like auto policies.

I suggest you sit with your agent and have them review the coverage line by line.

Hope this helps.

Smurf · 08-01-2018, 02:14 PM

It took awhile, but I figured out all of these really low rv insurance quotes. Multiple polices! Only a few had that in there sharing. Not looking for that, just cheapest Rv policy only.

GScott · 08-01-2018, 03:36 PM

I have been at State Farm customer for years and since the tow unit was covered I added my 23 MRB. White-hawk to that policy. Therefore the liability is continued from the truck and all I pay for is damage for the trailer. I’m not sure of the exact amount but I think it’s here in Montana my annual premium is about $300 . I find it is much better deal than standalone RV insurance. Age and driving record play a big role in rates! Good luck.

DWardman · 08-01-2018, 04:42 PM

$175 per year for our 2018 Jayflight 28RLS when added to our Auto-Owners automobile insurance policy. That is with a $250 collision deductible, $50 comprehensive deductible and $100 emergency road service coverage! We have already had a total loss on a trailer and they were great to work with, no problem getting a fair settlement. Totally recommend Auto-Owners!!

gypsmjim · 08-01-2018, 05:44 PM

Quote:

Originally Posted by Smurf

It took awhile, but I figured out all of these really low rv insurance quotes. Multiple polices! Only a few had that in there sharing. Not looking for that, just cheapest Rv policy only.

Foremost ONLY insures RVs. Maybe that's why they are so reasonable. Our rates are lower than any quoted in this thread.

bgelyhome · 08-01-2018, 07:36 PM

National General Insurance - $270/year on a 2018 Jayco Pinnacle

Dancingqueen · 08-01-2018, 08:54 PM

Join FMCA. They have a screaming deal on rv insurance. Feel free to use my member number as your sponsor: F473840,

Bobbie

Dancingqueen · 08-01-2018, 08:57 PM

Join FMCA they have a screaming deal on insurance, tires, and many other Things. Feel free to use my member number as your sponsor F473840.

Bobbie

serfas01 · 08-01-2018, 10:34 PM

We are insured through Progressive with a 2016 Pinnacle 38FLSA with an insured value of $93,000. We have $1000.00 deductible Collision, $250.00 on comp, replacement value for two years, disappearing deductible. Etc. Our cost has increased this year to $845.00. I am 78 years old so that might be part of it. We are in Butte, Mt. Have been with Progressive for 25 years. Looks like it may be time to look for another insurer seeing everyone else has much lower costs.

GScott · 08-02-2018, 02:46 AM

The $825 premium for a $90,000 value seems appropriate. My truck is insured T $28,000 and the premium is around $300. I doubt that it is rated up due to your age. Typically high ratings are for under 25 year olds.

spark of insanity · 08-02-2018, 03:08 PM

Progressive. 70 for 6 months on and 6 months off. We currently took off the insurance since we are not going to use it until next year. Although we did take a 3 day tour and came home safely. For three days I did not think we needed to pay 70 for that month. We might do it next year. Happy camping.

gypsmjim · 08-02-2018, 03:13 PM

Quote:

Originally Posted by spark of insanity

Progressive. 70 for 6 months on and 6 months off. We currently took off the insurance since we are not going to use it until next year. Although we did take a 3 day tour and came home safely. For three days I did not think we needed to pay 70 for that month. We might do it next year. Happy camping.

Took it off?

I don't carry collision since i don't drive it, but I sure do carry liability and comprehensive. What if it burns down in the storage lot?

spark of insanity · 08-02-2018, 09:00 PM

Quote:

Originally Posted by gypsmjim

Took it off?

I don't carry collision since i don't drive it, but I sure do carry liability and comprehensive. What if it burns down in the storage lot?

It sits in our drive way. Can't afford to let someone else take care of it. Although we have thought of it. Thank you for the concern though.

Tim15856 · 08-06-2018, 01:03 AM

2018 25BH, $500 deductible is costing me $170 year from Erie.

Atlee · 08-06-2018, 08:18 AM

We are currently paying $321 per year, with $250 deductible. It does not have replacement coverage. Our trailer is a 2017 Jay Flight 23RB, and we live outside Richmond, VA. Insurance is with State Farm.

jeffmcpa · 08-06-2018, 09:43 AM

2010 jay feather sport 226. Bought used paid about $9000
Added to my auto policy with same collision and comp (200/100) deductibles for about $30 every six months with insured amount what I paid for it.

TxLoser · 08-06-2018, 04:15 PM

I need to look into my insurance. I'm at 840 a year. 1000 ded. Full replacement. Jayco Eagle HT FW 26.5bhs. Through good Sam/general. In Texas.

In the beginning I had it attached my auto policy don't recall the numbers, but this was a better deal at the time.

Tankfab · 08-06-2018, 09:42 PM

Quote:

Originally Posted by spark of insanity

Progressive. 70 for 6 months on and 6 months off. We currently took off the insurance since we are not going to use it until next year. Although we did take a 3 day tour and came home safely. For three days I did not think we needed to pay 70 for that month. We might do it next year. Happy camping.

I had a 5th wheel receive a bunch of damage sitting in the driveway from a bad hail storm several years ago. Insurance paid for all the repairs including new AC units.

gypsmjim · 08-07-2018, 07:16 AM

Quote:

Originally Posted by Tankfab

I had a 5th wheel receive a bunch of damage sitting in the driveway from a bad hail storm several years ago. Insurance paid for all the repairs including new AC units.

Yeah that's nice to have. If you didn't you would have paid a "few bucks" out of your pocket to get it repaired.

Its the liability that's most important. Kids break in at night and end up hurting themselves and the lawsuit costs you "big bucks". Maybe homeowner's would cover it in your driveway, but probably not somewhere else.

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