Vehicle insurance for full time rvers
I did a search through the archives, and am posting this to get more, and more current, opinions. What company do you insure your RV with? Are you happy with the quality of service? Any compani...
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National Interstate specializes in real full timers insurance coverages.
Same type of policy you would have on S&B plus automotive coverage.
We had our truck (full coverage/towing) plus 5th wheel (Home owners, replacement 1st 5 yrs/agreed value 6th yr, custom equipment, towing, motel etc.).
Based on our SD residency address......$1500/yr
We had 2 claims........during 7 yrs
1 was minor and 1 was major ---- both handled quickly, no hassles, straight forward with follow-up. Easy to deal with.
And NO they didn't raise rates on us due to claims.
About the 4 yr we thought about 'moving' to TX so we asked for new quote based on Escapees address in Livingston TX
Rates would almost double ----just due to TX vs SD address.
Asked WHY.......agent stated cause TX Ins. Commission sets MAX Rate Ins. Co. can charge so they charge MAX ??????
All I know is quote was ridiculous ----------same coverages/same policy just change of address.
Anyway......National Interstate. Good company/real RV FT coverage
Use a broker to get coverage
Explorer RV was our broker agent
Claims are handled DIRECTLY with National Interstate
Agents
Same type of policy you would have on S&B plus automotive coverage.
We had our truck (full coverage/towing) plus 5th wheel (Home owners, replacement 1st 5 yrs/agreed value 6th yr, custom equipment, towing, motel etc.).
Based on our SD residency address......$1500/yr
We had 2 claims........during 7 yrs
1 was minor and 1 was major ---- both handled quickly, no hassles, straight forward with follow-up. Easy to deal with.
And NO they didn't raise rates on us due to claims.
About the 4 yr we thought about 'moving' to TX so we asked for new quote based on Escapees address in Livingston TX
Rates would almost double ----just due to TX vs SD address.
Asked WHY.......agent stated cause TX Ins. Commission sets MAX Rate Ins. Co. can charge so they charge MAX ??????
All I know is quote was ridiculous ----------same coverages/same policy just change of address.
Anyway......National Interstate. Good company/real RV FT coverage
Use a broker to get coverage
Explorer RV was our broker agent
Claims are handled DIRECTLY with National Interstate
Agents
