In$urance

[SoonDockin]

Bad weather scared me into signing up for nsurance with P. Mid five hundred $. Did I overpay? Got full replacement since it was only a few dollars more than typical cash value.

[towpro]

there is nothing wrong with that P company. they took care of me when someone (on another motorcycle) rear ended me on my motorcycle. I also have the camper on a policy with them insured for replacement value. that rate does not seem that high. location makes a difference.

[Oregun]

My 2013 Adventurer camper insurance with Progressive was $169 for 2018.
That is bundled with house and auto.

[K_Mac]

My rider is less than a $100/(yr.) on truck policy with AllState. I have it because some years I off-load camper more than usual. Judging by the News reports lately and your address in profile, I would definitely have good ins. Stay safe.

[av8rds]

I was paying $500-ish for my 2015 EC 1160...drawing a blank on the company....

[Supercharged111]

I'm in CO too, I pay like $10/month for my 2007 Lance 1131. It's an add on to the truck policy.

[topgeek]

Here's my experience (all from last week).. I'm going to post in detail in hope that someone else can benefit from what I went through. I'm 48. Wife and I have perfect driving records. We do bump our coverage up to higher amounts liability wise. We run $1000/$1000 deductible.

I'm in Colorado - our rules are a bit different FWIW and a truck camper is NOT registered in Colorado.

The camper: 2019 Northern Lite Limited Edition with some upgrades - insured value $53,500

All quotes: Replacement Value (not ACV) - $53,500

Travelers wanted to treat it as a tow behind. I had 3 vehicles already with them and they wanted $1169/year additional for the Truck Camper. hahahahahahaha!

Safeco: Truck camper: $717.70 per year (if we move all vehicles to them).

Nationwide: $1162.94 for just the camper

Progressive: over $1000 more for the camper (they quoted everything but the premium was over $1000 more than what we pay for the current 3).

National General: $768/year just for the camper.


So then we called Geico....
We ended up moving ALL of our vehicles to Geico.
The camper premium is $24/month
(that is 5 years of replacement, years 5-8 - $53,500, after 8 years, ACV)

...and our premium went up overall like $18. (i.e. they saved us money on the other 3 vehicles).

the ONLY downside to Geico is they do NOT offer windshield coverage in Colorado - so we'll have to eat that (and we break lots of windshields due to the **** rock trucks in this area).

Hope this helps someone.

[SoonDockin]

Ya it was Progressive. I used them for my previous RV. Didn't shop around but probably should. I have planned to get insurance all along. Just dragging my feet. I hate insurance but buy it for everything. I can shop it some over the next few days and see.

[d3500ram]

FWIW- I was paying about $375 per year for $17,500 replacement coverage on a 2010 camper before I sold it.

[Grit_dog]

Wut?
Don’t care if you weren’t going to insure a new $40k camper. But scared into it?
Seems like a decision that either you do or don’t, not based on the weather forecast.
P (top secret code word for Progressive, Pemco, .....) seems a bit spendy. I’d expect $3-400 based on the value and what we pay for similar value toys.

[Tyler0215]

How many quotes did you get? Get several quotes and then you will know if "P"(whatever that is) is the cheapest or best.