Good Sam Club Open Roads Forum: General RVing Issues: 5th Wheel Insurance questions
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dpgllg

South West Pennsylvania

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Posted: 08/23/19 06:06am Link  |  Quote  |  Print  |  Notify Moderator

I am in the process of changing our insurance. Until now I bundled everything with one company. I am very interested in Amica insurance but they do not offer RV insurance for a towable. They will cover a motorized RV though.

If I want to get just a policy on my 5th wheel what companies should I consider and which to avoid as well as why.

I do store my 5th wheel in a storage facility when not in use.

Dave


2013 2500HD Chevy LTZ 6.6 Diesel Ext Cab Long Bed
2017 Grand Design Reflection 27RL 5th Wheel
Dear Wife, plus two Cocker Spaniels and a Standard Poodle

DutchmenSport

Indiana

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Posted: 08/23/19 06:39am Link  |  Quote  |  Print  |  Notify Moderator

You did not say who you are currently insured with, but I'm insured with AllState and been very pleased with them. Of course, we have everything insured through them ... house, auto's, trailer, even life insurance. We used them for rental insurance in our younger days. AllState may not be the cheapest, but they are definitely trouble free when making a claim.

We had one situation when my teen-age son was involved in an accident and the other guy's insurance lawyers started threatening law suits and such directly at us. AllState's lawyers jumped in and proved the other guy was committing fraud, (proved it), and the other insurance ended up paying everything. We never set foot inside a court room. AllState lawyers took completely over when we received that threatening letter. Sweet.

For such service as this, we've been loyal to AllState ever since.

One thing you need to consider if you break ranks from your house insurance company:

Our homeowners policy covers us while we are camping. In other words, it covers all the contents of our camper (personal property), including computer theft. Also, while camping ... slip and fall is covered under our home owners policy, as well as dog bites and such.

As explained to us, if we took the camper and shook it upside down, everything that falls out is covered under our homeowners .... NOT the trailer insurance.

Trailer insurance covers damage to the trailer when not in tow, including theft.

When in tow, any damage is covered under the automobile policy.

So you really need to make sure if you break the "bundle", you are truly covered for every possibility.

2112

Texas

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Posted: 08/23/19 06:52am Link  |  Quote  |  Print  |  Notify Moderator

Foremost


2011 Ford F-150 EcoBoost SuperCab Max Tow, 2084# Payload, 11,300# Tow,
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2013 KZ Durango 2857


Cummins12V98

on the road

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Posted: 08/23/19 07:23am Link  |  Quote  |  Print  |  Notify Moderator

Foremost "IS" Farmers subsidiary, my agent looked into them but found adding to Truck policy was less expensive at the same or better coverage.


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Addy15

Minnesota

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Posted: 08/23/19 07:47am Link  |  Quote  |  Print  |  Notify Moderator

When we purchased our 5th wheel in 2018, our lender required full replacement coverage. We use an independent insurance agent with access to several insurance companies. Most of our insurance is with AAA, but our agent found the best deal for our 5th wheel insurance with Nationwide.

sayoung

Tx

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Posted: 08/23/19 08:29am Link  |  Quote  |  Print  |  Notify Moderator

We have everything thru State Farm . Policy's since 1968. I have switched a couple times but come right back. I had roof damage on the 5er , my fault back in March, and absolutely no hassle and rapid pay. I now have to have a new roof on house and have the check in hand waiting on roofer.

KPetrick

Englewood

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Posted: 08/23/19 09:02am Link  |  Quote  |  Print  |  Notify Moderator

dpgllg,

There are basically 5 companies that have stand alone RV policies. These policies provide complete RV coverage including contents, liability, awning/solar panel coverage with no depreciation, additional expense coverage and some offer storage discounts. (Also total replacement coverage on newly insured RV's) You don't want to involve you homeowners and present a second claim with a second deductible. Sometimes it is best to include your tow vehicle with the 5th wheel. If you are in an accident both will probably be damaged

National General
Progressive
Safeco
Foremost
GEICO

If you call Good Sam Insurance Agency we can quote the first 4 for you. I am not saying other carriers won't cover it for you but they don't have complete programs for the RV enthusiast.

Keith - Director of Good Sam Insurance Agency

KPetrick

Englewood

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Posted: 08/23/19 09:07am Link  |  Quote  |  Print  |  Notify Moderator

I should add that Nationwide also has a program. They cut way back in their appetite several years ago and generally require other policies to write an RV.

Keith

Grit dog

Black Diamond, WA

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Posted: 08/23/19 10:20am Link  |  Quote  |  Print  |  Notify Moderator

American Family has standalone ins for our TC and boat/trailer so I'd imagine they do other towables too.
Bottom line just shop around and find the best rate for the coverage you want.
I don't believe for a second that the "service" offered from one company to he next is repeatably better than others. Based on positive and negative experiences with a host of "premium" companies. From great service to outright fraud.
One thing is, it pays to shop around every so often, if you get a sniff of your rates going up without a material reason (at fault accident or something). Insurance companies are no different than your Cable TV or cell phone service, except that their "introductory" rates last longer usually and you don't know going into it when the great rate will end.
Last one was Progressive, had them for all the stuff with wheels for quite a while prob more than 10 years and several different states.
2 years ago, went to add a new car, got a quote on the whole policy, seemed like minor increase across the board, then the 6 month renewal hit a month later and everything jumped up by like 25-30% (no claims tickets accidents etc to cause it). Was told it's simply a market adjustment.
Got a new policy for about $800 less a year somewhere else, same or better coverage.


"Yes Sir, Oct 10 1888, Those poor school children froze to death in their tracks. They did not even find them until Spring. Especially hard hit were the ones who had to trek uphill to school both ways, with no shoes." -Bert A.

RobWNY

Jamestown, NY

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Posted: 08/23/19 12:11pm Link  |  Quote  |  Print  |  Notify Moderator

I'm in the process of changing my auto and homeowners insurance from Allstate to Travelers. I had my agent check on my RV insurance too which I have through Progressive and she ran it through Safeco and Foremost. They were both higher but everyone's situation is different.


If God didn't want us to eat cows, he wouldn't have made them out of Steak and Cheese.

Life is a lot like a baseball pitch. Sometimes you get a fast ball down the middle of the plate and sometimes you get a curve ball in the dirt.


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