Need recommendations for 5th wheel RV insurance

Mowingman,

I am sorry that you don't want to consider "Good Sam" but did you know that we are an independent insurance agency and represent Safeco, Foremost, National General and Progressive. Since you don't want a quote from Progressive we can quote one of our other companies. If you want actual RV coverage and not just put your 5th wheel on an auto policy with auto coverage's I think you will find there are a limited number of carriers. Keith Director of Good Sam Insurance Agency.

What kind of coverage are you looking for?

We have State Farm for house, auto, and RV. They have never questioned any claim and have promptly approved repairs and payment. I almost ripped the rear cap off my 5er last year after tail swing caught a steel column exiting storage, pulled loose and ripped fiberglass. :o Called State Farm. They said take it to my preferred repair facility for estimate. Repair facility worked up estimate ($12,500 +), submitted it to SF, got immediate approval to start, and back to me looking new in less than 3 weeks.

They may not be the cheapest. But have been great for us including minor auto claims and major house storm damage claim.

Call whoever carries your auto and home.....

You didn't say whether you were full or part time. Full time is a whole different ball game, with a lot fewer players.

This would be a good site to look at:

http://www.rv-dreams.com/rv-insurance-coverages.html

I am looking for just comprehensive and collision. That will cover a collision, hail, fire, vandalism, etc.
I have all our other insurance with State Farm, but last time I checked for a previous RV, they were pretty expensive.

A couple things to ask your agent if you place it on your auto policy. Are permanent attachments like awnings covered at replacement cost or a depreciated value? Progressive states the claim most often turned in on RV's are for damage to awnings. Are person property items within the RV covered under the auto policy or the home policy? If you have a loss that damages the RV and personal property inside do you have to turn in a claim on the auto policy and the home policy and have two deductibles to pay? What happens if the RV is parked at the RV park and someone trips and falls getting out of it and is injured? Is this covered by auto or home? How many home claims until my home policy gets cancelled?

KPetrick, I have heard a lot of stories on various forums that say Good Sam is pretty quick to cancel or raise rates. It is said that Good Sam insurance is not much better than the Good Sam roadside assistance, which is generally reported to be terrible. I MAY consider Good Sam again and give them a call. I want to see what else is available and at what rates? If I call Good Sam, I will tell them not to even think about quoting me a policy with those lying thieves at Progressive.
Thanks

Thanks Mowingman,

I am trying to make sure that people understand that Good Sam is not the carrier, we are the agent. We place business with one of 4 companies that have good RV coverage. It does happen that one carrier might take large rate increases within a particular state or type of risk. We can requote them with a different carrier to see if we can save them money. We have options since we understand that people sometimes have experiences with a certain company/carrier in the past that was less than positive. There are less carriers offering RV coverage now that Blue Sky has gone out of business and National Interstate has gotten out of the RV insurance business.

When you are checking Ins. Co's make sure they would insure throughout the U.S totally, as well as Canada and Mexico. We have Allstate homeowners and car Ins. on 1 property but they refused to insure on another home and boat because they are in the Mtns. so went with Foremost which is under the Farmers Ins. umbrella.