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RV Tips : RV Insurance

It is hard to find a good RV insurance company these days...especially if it's for a RV. Therefore, we have pulled together some ideas and comments from other fellow RV'ers which may be useful.

Progressive - Many people are happy with the prices and service from this company. One travler mentioned "I had a trailer damaged in a hail storm a few years ago. They came to my house. The adjuster admitted he wasn't real familiar with trailer repair. He called the mfg, dealer, some repair places etc. and it was settled with no problems in just a few days."

GEICO - I've had really good experiences with this company in the past. Their customer service is top-knotch and the price was excellent. Others I have spoke to who have GEICO are also pleased with the professional and courtious service. Rates for full coverage including campsite liability on A RIG are reasonable. Although, they do not cover fulltimers.

Foremost - This company is said to be good with handling claims.

Nationwide - This company is decent for insuraning your trailer. You can get 6 months for about $40.

There is one key to getting good RV insurance though, this is whether or not you are a full-timer.  If your RV is not your primary residence, then try to bundle your RV insurance with your home owners and automobile insurance company. You will find that you may pay only $30-$40 per month for $6,000 - $8,000 of coverage.

It can never hurt to have your RV insurance quoted around.  It doesn't cost you a thing to do it.  All you have to do is get your policy declarations pages together (those are the parts of your insurance policies that have your limits, premiums, and coverages listed), contact your local Independent Insurance Agent (writes with multiple companies) and direct writers (State Farm, American Family, Nationwide), and wait for the quotes to come back.

One thing that you should always keep in mind is that not all insurance policies are created equal.  Most preffered carriers (Chubb, Cincinnati, Fireman's Fund, State Auto, etc.) that you can get through Independent Agents have broader forms than direct writers.  There might be less exclusions and more built-in coverages.  Your agent should be able to provide you with a coverage comparison.  I'm not saying that Geico or Progressive don't have good forms; I've just never seen them. 

My favorite is RV Advantage (see web page for explanation and links).

If the insurance agent does not know much about RVing, mainly fulltiming, go to your local RV dealer and ask for referrals.  Take your time in selecting an agent; you'll thank yourself if/when you have a claim.  Good agents have good products and good service. Don't forget to make sure that you are getting adequate coverage.  Carriers can easily lower your limits to meet a price, but you don't want to be left underinsured.  If you are carrying minimum limits and hit a car any nicer than a Pinto, you're going to be paying for it out of your own pocket.