Fifth Wheel Insurance - Best Buy for the Buck!

[Gordon_R]

Didn't know exactly which forum to post this in, so figured I would get the best info in this forum.

Been 7 years since we had our last Rv.

Just bought a 2018 Arctic Fox 27-5L fifth wheel trailer. I have USAA for cars and house, but, USAA sends you to Progressive.

Premium was not bad. Never had an accident (knock, knock on wood), never a claim. However!

Which insurance company, in your opinion, gives the best service and gives the best rates. I know this is a very loaded question, and I would check closely with whomever you folks have had the best and worst experience with.

I have about a week and a half to investigate before I have to buy a policy.

[thomas201]

Geico worked for us. They should since Geico and Forest River are both owned by Berkshire Hathaway, aka Warren Buffet.

[JTrac]

My auto/home insurance was quite a bit cheaper but would only insure for the actual cash value, which would be quite a bit less than I paid for it, of course. I was not willing to assume that risk for a lesser premium. We went with Progressive with full replacement for the first five years and then agreed value after that. We also have diminishing deductible which is now zero. We hope to never use it. Like most insurance policies it is worth absolutely nothing till you need it but it does provide a little peace of mind. My only complaint is that the premium goes up every year.

[Nutinelse2do]

Progressive was cheapest on on 5’r. .... That was both basic, and full timers ins.

[2012Coleman]

Insurance rates vary by location. Get several quotes and choose the best one. I use insurance through good Sam - think it is General, can't remember. They gave me the lowest rate.

[Addy15]

We ended up with coverage through Nationwide on our recent 5th wheel purchase. Total Replacement Coverage (required by lender) for four years, purchase price coverage after that, disappearing deductible. Can't speak to level of service because we've never had Nationwide before, but this was the best rate our insurance broker/agent could find for our situation.

[path1]

Harbor freight in the insurance business yet? Probably real cheap... more ways than one.

[ACZL]

Erie for autos/home, but Progressive for the 5er. Have had Flo since 2005. Better coverage for about same $$ than Erie.

[bpounds]

I would normally say to buy it from whomever your truck insurance is with. As a rider, it should be less expensive than any standalone product. But if your insurer won't offer it, then you'll just have to shop around in your home state.

[B_O__Plenty]

Too many variables. Every State, driver, city and RV will have different rates. Best to sample the big companies then go to an independent broker agent and have them shop for you. I use an agency that deals with about 2o different companies. I combined my cars, RV and house and saved over $1700. a year over that heavily advertised company that AARP uses. Your results may vary.


B.O.