National General
I had National(good Sam)Insurance on my MH and I am needing insurance on the new FW they are the lowest cost out of 5 others They have a replacement cost coverage (which will replace it with current m...
Forum Discussion
It depends.
Replacement only becomes a factor if it's a TOTAL loss.
Is that risk worth $81 a year to you or would you be willing to take a hit on the difference between what they would pay for your current year camper and what they'd pay for a new one.
It also depends on if there's a loan on your camper that you'd still owe a balance on after getting paid a depreciated value.
Also, you may want to ask what they would consider as a cost basis for "replacement" if the PrimeTime Crusader is no longer made. Manufacturer's come and go, as do the models they make.
Replacement only becomes a factor if it's a TOTAL loss.
Is that risk worth $81 a year to you or would you be willing to take a hit on the difference between what they would pay for your current year camper and what they'd pay for a new one.
It also depends on if there's a loan on your camper that you'd still owe a balance on after getting paid a depreciated value.
Also, you may want to ask what they would consider as a cost basis for "replacement" if the PrimeTime Crusader is no longer made. Manufacturer's come and go, as do the models they make.
