Insurance wtf???

I pay around $500/year on my 2006 gas motorhome I bought for about 40K. I suppose location has some impact on premium and of course, your house is not going to run over anyone at an intersection or slide off in a ditch on a rainy day. :)

$2500 sounds about right.

Try Progressive or Millers RV insurance. Make sure you get an agent that is familiar with RV insurance policies....

Progressive has come in at $1900. Will try the other mentioned

So National General says I need a commercial policy since the vin # is a freightliner commercial chassis :S

My Prog quote came back high initially but when reading they had included coverages that were similar to homeowners liability with high limits, ask the carriers for a printout to be e mailed so you are seeing everything they are including. There may be portions which are outside what is required or what you want.

You are paying too much for for your Home at $2500 a year for a 200k House - You need to seriously shop around for both. I have a 2008 Gulf Stream 40Ft on Freightliner Chassis runs about $1200 Per year - which is about $400 per year higher than my homeowners policy on my $350K house - Through Allstate - Good Luck Shopping

Are you quoting full timers insurance, Or a add on to your auto policy ? A full timers policy is like a homeowners policy including items that are on your current homeowners and unneeded duplicates unless you don’t have a house. My policy when we had a house was much cheaper as it was essentially a auto policy.

stugotz61 wrote:
You are paying too much for for your Home at $2500 a year for a 200k House - You need to seriously shop around for both. I have a 2008 Gulf Stream 40Ft on Freightliner Chassis runs about $1200 Per year - which is about $400 per year higher than my homeowners policy on my $350K house - Through Allstate - Good Luck Shopping

I live on the MS Gulf Coast. The bulk of our insurance costs are Wind Insurance. We get frequent tropical storms and hurricane's. I expect it to be high.

I'm still calling, checking everyone who will insure it. Talk about an aggravating afternoon....

jorbill2or wrote:
Are you quoting full timers insurance, Or a add on to your auto policy ? A full timers policy is like a homeowners policy including items that are on your current homeowners and unneeded duplicates unless you don’t have a house. My policy when we had a house was much cheaper as it was essentially a auto policy.

Nope, just for "pleasure" as they call it.

One quote for $987 every 6 months

Coverage Limits Cost
Bodily Injury Liability(BI) $25,000/$50,000 $19.30
Property Damage Liability(PD) $25,000 $15.60
Medical Payments(MED) Not Included N/A
Uninsured Motorist Bodily Injury $25,000/$50,000 $11.00
Uninsured Motorist Property Damage $25,000 $5.30
Comprehensive(COMP)
2008 WINNEBAGO m39z $500 deductible $727.40
Collision(COLL)
2008 WINNEBAGO m39z $500 deductible $176.50
Emergency Road Service(ERS)
2008 WINNEBAGO m39z I accept this coverage $24.70
RV Medical
2008 WINNEBAGO m39z $1,000 $7.20
Emergency Expense
2008 WINNEBAGO m39z $1,000 included
Replacement Cost Personal Effects
2008 WINNEBAGO m39z $5,000 included
Vacation Liability Coverage
2008 WINNEBAGO m39z $10,000 included