Progressive RV Insurance Scam
I was speaking to an agent from Progressive on why my RV policy jumped another 20% this year. We went through each of the items and the agent made an offhanded comment regarding personal items coverage. The agent said the max Progressive will pay on any personal item is $500. I confirmed what the agent told me in their "California Motor Home Policy" page 35, Limits of Liability Section 2. a under Replacement Cost Personal Effects Coverage, section e. $500 per item.
So the $2,000 notebook I travel with, iPad, or digital camera, if any these of these items are stolen, I am only partially covered. Up until recently, I used to believe Progressive would pay me replacement cost, it sure sounds like it my declaration page where it says "Replacement Cost Personal Effects Coverage." But the scam is found page page 36, section 2. subsection e: max $500 per item.
I personally find this intentionally misleading and an outright scam. I dropped this coverage, immediately and I am shopping for better coverage. If there was a theft, I would end up going with my homeowners for personal items anyway. Why pay for this coverage? Progressive says in their advertising, "Its not a car, don't insure it like one." RIP OFF ALERT.
So the $2,000 notebook I travel with, iPad, or digital camera, if any these of these items are stolen, I am only partially covered. Up until recently, I used to believe Progressive would pay me replacement cost, it sure sounds like it my declaration page where it says "Replacement Cost Personal Effects Coverage." But the scam is found page page 36, section 2. subsection e: max $500 per item.
I personally find this intentionally misleading and an outright scam. I dropped this coverage, immediately and I am shopping for better coverage. If there was a theft, I would end up going with my homeowners for personal items anyway. Why pay for this coverage? Progressive says in their advertising, "Its not a car, don't insure it like one." RIP OFF ALERT.
