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Hotel_Californi's avatar
Hotel_Californi
Explorer
Apr 26, 2014

Insurance...Need Assistance...Resolved

This is kind of hard to believe, but I just called my insurance agent to add a 2014 Ram Longhorn we purchased 2 days ago to our policy. When they heard that I would occasionally be towing a fifth wheel, they told me they would not cover the new truck...and wouldn't continue to cover the old truck because it was used to pull a fifth wheel!

Current vehicle and home insurance is via Costco / Ameriprise. We have used them for many years for multiple vehicles as well as for our home insurance. Great pricing and good service. No accidents or tickets for 47 years for either of us. RV is currently insured separately through Good Sam. I need to find a new insurance company quickly.

Does anyone have coverage for vehicles, home and RV through a single reputable company with reasonable rates and decent service? Who is your carrier? Did you compare prices between different companies?

Going to be busy on Monday morning talking to insurance companies. Planning on contacting AAA, Farmers, State Farm, Allstate and Geico. Open to all suggestions for additional companies, or reasons not to bother with some of them.

Thanks.
  • ksg5000's avatar
    ksg5000
    Explorer
    Apr 26, 2014
    I use State Farm .. but they outsource the RV coverage to some other outfit .. probably be cheaper if I went directly to the "other outfit" but I keep it under State Farm because it's convenient.
  • TomHaycraft's avatar
    TomHaycraft
    Explorer
    Apr 26, 2014
    Motorcycle and home are with Allstate, USAA has my vehicles and trailer. They have the make and model of the trailer, never questioned if a 5th wheel.

    Shopping around, USAA's rates for vehicles could not be beat (if you are military or dependent) and their service has been excellent. Homeowners insurance, USAA has been higher that I'm willing to pay to keep everything with one carrier, so have stayed with Allstate.

    One man's experience ... hope it helps you form some ideas for Monday.
  • Go_Dogs's avatar
    Go_Dogs
    Explorer
    Apr 26, 2014
    I could save money if I 'bundled', but I don't like to have all my eggs in one basket. Geico for vehicles, Progressive for the TT, Traveler's for the house, somebody else for life. The golden rule to never having insurance problems is to never make a claim!
    I dumped my agents about 25 years ago, all they did was nag me to buy more coverage. I deal with all insurance companies on-line. I also have the company apps on my smart phone. If I have a claim there's a 1-800 number, or just follow the instructions from the app.
  • tropical_ron's avatar
    tropical_ron
    Explorer
    Apr 26, 2014
    We bundled everything, including umbrella; all with GEICO. One roadside towing claim; paid promptly - no questions asked. Motorcoach, car, truck and house. Policy written in Rhode Island.
  • laknox's avatar
    laknox
    Nomad
    Apr 26, 2014
    I use Farm Bureau, and pay a bit more for it. Simply because nobody else would cover my '36 John Deere Model A that I occasionally drive around the neighborhood or pull parade floats for local organizations. I think Good Sam will cover your truck, but not sure about rates. One question though, does your insurance company even know what a FW RV is? If they'll cover a TT or TC, then why not a FW? Are they thinking it's a commercial trailer?

    Lyle
  • ventrman's avatar
    ventrman
    Explorer
    Apr 26, 2014
    I use National General. It is specifically designed for RVers. They do not care if you are in a different State frequenty. This is unlike some other Insurance Companies. They realize that Rvers move around.
  • TucsonJim's avatar
    TucsonJim
    Explorer II
    Apr 26, 2014
    I've been with MetLife for my homeowners and auto (including FW) for the last 10 years. Nobody has been able to compete with them on price, even though I get quotes from other companies at least once per year.

    I just had a major claim with them and it was handled professionally and quickly. Quotes can be obtained from 1-800-438-6381.
  • OH48Lt's avatar
    OH48Lt
    Explorer
    Apr 26, 2014
    State Farm. Bundled up most everything, home, car, truck, motorcycle, RV. The ATV's are with somebody else. Used to have the motorcycle and RV with another company, but their rates went sky high one year so I went with State Farm. Also got better coverage and lower rates that way. State Farm does not sub-contract out RV insurance around here, can't say about other areas.

    The problem with multiple insurance companies, other than you are not taking advantage of any multi-line discounts, is if you have a claim where coverage may be under more than one policy. Each company might say the other insurance company should provide coverage. Then you wind up with them pointing the finger at each other, and you are then trying to get that sorted out. Happened to me once on a motorcycle claim years ago, where stolen personal possessions on the bike were taken. Motorcycle insurance company says my homeowners should cover it, homeowners company said I should have had coverage with the motorcycle insurance company.

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