RV insurance

I just did this drill..Loved Blue Sky..then 900 increase they did want because they could...bye bye blue sky..hello allied..best reasonable one out there right now...went thru FCIS insurance agency out of Forest City..nice people...no tickets, or accidents and I garage it...While service at blue sky was excellent..excellent is not worth 900 per year...

I realize that the price isn't the only thing that I should look at. That's why I asked about Allied paying claims.
I just got off the phone with the agent and he cleared up some things, such as the awnings are covered on the main policy, whereas national has a seperate rider for it.
Towing is covered up to $750. and I will get reimbursed.
Is that better than Coachnet or Good Sam?
How much is a tow or service from emergency road service company?
Should I buy Coachnet anyway?
The comp & collision is actual cash value not replacement cost.

Good question on the towing -- wish I had clear answer. Thru your insurance (typically) towing is covered if you have a covered loss. Flat tires and mechanical breakdown are not covered losses. So - adding a road side assistance plan is not a bad idea. I will leave it to others to debate Coachnet vs Good Sam; however, neither one has its own service. They both (probably) use national tow vendors.

Actual Cash Value (ACV) is okay if you bought it right and you paid a good bit down or if you own it outright. All RV's depreciate quickly which means the ACV continues to decline. If the value of the coach declines below the loan value (assuming there is a loan) and if a loss occurs that results in a total loss then you would be upside down on the pay-off. Basically, if you paid the coach outright then you won't be "upside down" but you may surprised how quickly it falls in value. If you do have a loan and you really want peace-of-mind you can ask about gap insurance which covers a portion (or all) of the difference between loan balance versus ACV.

bodyshop bob wrote:
Good question on the towing -- wish I had clear answer. Thru your insurance (typically) towing is covered if you have a covered loss. Flat tires and mechanical breakdown are not covered losses. So - adding a road side assistance plan is not a bad idea. I will leave it to others to debate Coachnet vs Good Sam; however, neither one has its own service. They both (probably) use national tow vendors.

Actual Cash Value (ACV) is okay if you bought it right and you paid a good bit down or if you own it outright. All RV's depreciate quickly which means the ACV continues to decline. If the value of the coach declines below the loan value (assuming there is a loan) and if a loss occurs that results in a total loss then you would be upside down on the pay-off. Basically, if you paid the coach outright then you won't be "upside down" but you may surprised how quickly it falls in value. If you do have a loan and you really want peace-of-mind you can ask about gap insurance which covers a portion (or all) of the difference between loan balance versus ACV.

First< I bought it right, but I would not be able to replace it if they gave me back my money.
According to the rep, it covers everything coachnet does except I have to pay first and then get reimbursed and up to $750.