RV Insurance / Liability Umbrella

One thought to pass along, should you have a claim the maxes out your underlying limits and involves your umbrella, do you want to deal with one company or multiple. Some things are worth paying a little extra for.

Bobbo wrote:


Since they don't have your RV insurance, they can't be sure you have adequate liability coverage on it. Or any for that matter.

They did know as I had to regularly send them copies of the policy for the RV and Street Rod which was something else they won't insure.

Motorhome insurance with Progressive, everything else (including umbrella) with Allstate, but all handled by the same agent. I don't recall exactly how they handled it, but I do remember something about coordinating the liability limits, so that the umbrella picks up where the underlying policies max out. We went to $2 million on the umbrella this time around, I think. Even at several hundred $$ a year, it was cheap peace of mind -- I like knowing I (probably) won't lose all my retirement assets in a lawsuit.

Was just thinking about an umbrella policy. But I guess that's out because our DP is insured elsewhere. Allstate has our insurance and their policy for the motorhome was WAY expensive.

Usually most insurance companies want all coverage through them if they are going to issue an umbrella policy.

When we did our 8 month full time on the road trip I called my insurance company and had them issue an umbrella policy. I figured if I jackknifed the trailer across 4 lanes of traffic and caused havoc I would be covered.

As with insurance most of the time, we had an uneventful trip and I did not renew when I got home.

On this board you will get many recommendations for insurance and as many say those are bad companies. Myself, I will never insure with Geico, due to an accident that wasn't my fault and the other party had Geico and it was a nightmare to deal with them.

Do your own research.

I have all of my insurance with one agent. I have maxed out the liability coverage of each policy, then bought a $2,000,000 umbrella policy.

Since they don't have your RV insurance, they can't be sure you have adequate liability coverage on it. Or any for that matter. If you don't, that leaves them on the hook. Therefore, they up the premium to reflect that risk.