Who do people recommend for rv insurance?

If you are going with a new RV I would recommend RV replacement cost insurance. As you know an RV depreciates quite fast. If you were to total it you may not get enough money to pay off your loan and replace it with the same unit. With replacement insurance the company will replace your Rv with a new one the same as you have for the first five years. The rates are not that high. We are purchasing a new RV and are going with Progressive. They are an AAA company and the rates were reasonable.

Progressive was totally ridiculous for what they wanted on our new 2013 DP. We stayed with State Farm the same as our car. $1800 per year. Flo needed a new hairdo I guess.Progressive was double that.

State Farm is the largest P&C company, so they are probably large enough to give you the type of policy you are looking for. USAA is the highest rated (behind State Farm) but you have to be an active or retired military officer to qualify and they act only as agents for another writer on RVs. Still, their rates are very good.A local or regional company may offer even better rates. Go to several independent agents and get quotes. (Not a captive agent like Farmers or Allstate, although some people have had good luck with those companies.)

USAA doesn't provide RV insurance - they partner with Progressive. I have USAA for cars and Progressive for RV and dualSport.Not real happy with Progressive - had a break in over the summer while at Hollister SVRA in Northern CA. Lost roughly $6K in computers and kids high school band instruments (ther mom makes up practice even while camping.. well use to). Looks like they came through the window over the kitchen. There was no damage so Progressive denied the claim. I know the window was closed but probably not latched properly. My fault? Maybe? Still a hard pill to swallow.Should add: claims adjuster was real nice at first, even received a hand written letter saying how sorry she was that this happened. Few days later I received a voice mail that my claim was denied. Called back and left a msg - never heard back. Sent an email - still have not heard back.

insurance | Good Sam Community

et2
Explorer
Sep 03, 2013
Progressive was totally ridiculous for what they wanted on our new 2013 DP. We stayed with State Farm the same as our car. $1800 per year. Flo needed a new hairdo I guess.Progressive was double that.
Bob___Ann
Explorer
Sep 03, 2013
If you are going with a new RV I would recommend RV replacement cost insurance. As you know an RV depreciates quite fast. If you were to total it you may not get enough money to pay off your loan and replace it with the same unit. With replacement insurance the company will replace your Rv with a new one the same as you have for the first five years. The rates are not that high. We are purchasing a new RV and are going with Progressive. They are an AAA company and the rates were reasonable.

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