RV Insurance Opinions

We went with National General through Good Sam when we purchased our new class A last year. We filed three claims with them and had great service each time. We renewed with no rate increase. In the meantime we relocated to Mississippi from Ohio due to my wife's new job. When we did an online calculation for the address change our RV rate with National General went from a little over $800.00 per year to over $5,000.00 a year! I should note that our car insurance carrier was a local Ohio company and would not insure us in Mississippi. Did some searching and ended up going with Geico on the RV AND the car for a rate just a little more than we were paying for the RV only with National General. We had to cancel National General.
A few days later a representative from National General called me to see if there was anything they could do because they saw that I canceled the RV policy and had requested a refund for the coverage. I explained the problem was with the outrageous rate increase as my rate had gone from $800.00 to over $5000.00. The caller asked if I would be willing to talk to an RV coverage specialist supervisor to see if anything could be improved. I had some time to kill so I agreed to talk to the other person. I was soon connected with the specialist supervisor and went over everything and there was no way he could get the rates to improve. He told me "it is what it is" and attributed to high rate increase to my new "garage location" in South Mississippi. He also said insurance companies compete through rate prices and if every company had the same rate there would only be one company. The conversation wasn't a total loss because this agents home office was in Northeast Ohio very near where we had moved from and had actually lived in South Mississippi near where we live now. We had a very pleasant conversation and he wished me good luck and hoped that the company could assist me in the future. Within a few days, the refund check was in our mailbox which we promptly put towards our new policy with Geico.
Outstanding experiences with National General (and I've heard the same from others). Hope we have the same level of service with Geico.

After shopping this week for better rate than our current Blue Sky full time policy, I found the best rate with Geico for full timers. Not what I expected to find, but same coverage.

I also use National Interstate for both my 5er AND my truck. In case of an accident, I want to deal with only one company. I have had no claims yet.

Make sure and get a 'full timers' policy.

I use Miller Insurance out of Oregon. They are very full timer friendly.

Tim

We have been with Progressive for over 2 years now. There are only several companies that offer a true full timers policy.

One thing to keep in mind when looking at full timers insurance. Do you want new replacement included? In other words, if your RV was a total loss would you want it replaced with a brand new one?

Between having new replacement on our policy and $20,000 in personal effects covered our premium is around $1,000 a year I think.

National Interstate, has been great for us.

I had blue sky for 3 years..they were great..they they raised everyone on the next renewal (which I just had) close to 900/year because they could...after shopping went with Allied..nothing wrong with National Interstate...for full timing...Allied gave me the best overall rate...I hated the hassle to change, but they put me between a rock and a hard place with no tickets or accidents..Blue Sky is succeeding in their goal to lose customers..because I know of at least 4 people they did the same to.

We use National Interstate. Don't know if it's the best rate. That depends on so many factors.

Full Timers Insurance.....to ME that means a 'Homeowners Type' policy (slip/fall accidents/medical,/personal items etc) PLUS RV rig coverage (options/custom installs/full replacement value/trip interruption)

For that we also used National Interstate.....2 claims/both handled efficiently/hassle free

Also check with
Bluesky, Foremost

Many insurance carriers won't insure full timers. We use National Interstate, have had several claims, their rates are competitive and the claims have been hassle free. Very good company...Dennis

For previous posts on this subject search the Full-time forum for `insurance' and read on.