Rating Basis on Motorhome insurance Coverage

I agree with jrp. The opening statement in a post like this should identify that you are seeking info on FULL TIMERS INSURANCE. That makes a huge difference in what type of coverage you have. It's a much different animal as coverages tend to be higher and there are additional add ons that traditional insurance policies do not. There's also a limited number of companies that provide full time insurance policies. Finally, most companies that insure full timers also require your toad to be included.

I'm insured with National as well and found them to be an excellent company with reasonable pricing. Actually the lowest pricing. We've been with them for six years now and have had several claims which they've paid without so much as a hiccup. They switched from Agreed to Actual last year. To do so, I took several pictures of my coach and combined that with some research including similar sales, listings and KBB and we agreed on what was a reasonable replacement cost for my coach. It didn't change the cost of my policy, only the value of my coach should I suffer a total loss.

While you will see that as a line item on your policy, the rating basis cost will have a very small affect on the overall cost of your policy. It should, however, be accurate....Dennis