Insurance wtf???

[ACDNate]

Getting ready to close a deal on a 2008 Winnebago Journey 39z. Calling around getting quotes for insurance. Comprehensive and liability of course.

I'm getting quotes between $2000 and $2500 a year. That's what i pay for homeowners insurance on $200k of home, $150k in out buildings plus contents.

What are yall paying?

[ACDNate]

Heading the right direction. Just got a quote from Foremost $1367 a year

[ACDNate]

jorbill2or wrote:
Are you quoting full timers insurance, Or a add on to your auto policy ? A full timers policy is like a homeowners policy including items that are on your current homeowners and unneeded duplicates unless you don’t have a house. My policy when we had a house was much cheaper as it was essentially a auto policy.

Nope, just for "pleasure" as they call it.

One quote for $987 every 6 months

Coverage Limits Cost
Bodily Injury Liability(BI) $25,000/$50,000 $19.30
Property Damage Liability(PD) $25,000 $15.60
Medical Payments(MED) Not Included N/A
Uninsured Motorist Bodily Injury $25,000/$50,000 $11.00
Uninsured Motorist Property Damage $25,000 $5.30
Comprehensive(COMP)
2008 WINNEBAGO m39z $500 deductible $727.40
Collision(COLL)
2008 WINNEBAGO m39z $500 deductible $176.50
Emergency Road Service(ERS)
2008 WINNEBAGO m39z I accept this coverage $24.70
RV Medical
2008 WINNEBAGO m39z $1,000 $7.20
Emergency Expense
2008 WINNEBAGO m39z $1,000 included
Replacement Cost Personal Effects
2008 WINNEBAGO m39z $5,000 included
Vacation Liability Coverage
2008 WINNEBAGO m39z $10,000 included

[ACDNate]

stugotz61 wrote:
You are paying too much for for your Home at $2500 a year for a 200k House - You need to seriously shop around for both. I have a 2008 Gulf Stream 40Ft on Freightliner Chassis runs about $1200 Per year - which is about $400 per year higher than my homeowners policy on my $350K house - Through Allstate - Good Luck Shopping

I live on the MS Gulf Coast. The bulk of our insurance costs are Wind Insurance. We get frequent tropical storms and hurricane's. I expect it to be high.

I'm still calling, checking everyone who will insure it. Talk about an aggravating afternoon....

[jorbill2or]

Are you quoting full timers insurance, Or a add on to your auto policy ? A full timers policy is like a homeowners policy including items that are on your current homeowners and unneeded duplicates unless you don’t have a house. My policy when we had a house was much cheaper as it was essentially a auto policy.

[stugotz61]

You are paying too much for for your Home at $2500 a year for a 200k House - You need to seriously shop around for both. I have a 2008 Gulf Stream 40Ft on Freightliner Chassis runs about $1200 Per year - which is about $400 per year higher than my homeowners policy on my $350K house - Through Allstate - Good Luck Shopping

[kerrlakeRoo]

My Prog quote came back high initially but when reading they had included coverages that were similar to homeowners liability with high limits, ask the carriers for a printout to be e mailed so you are seeing everything they are including. There may be portions which are outside what is required or what you want.

[ACDNate]

So National General says I need a commercial policy since the vin # is a freightliner commercial chassis :S

[ACDNate]

Progressive has come in at $1900. Will try the other mentioned

[the_bear_II]

Try Progressive or Millers RV insurance. Make sure you get an agent that is familiar with RV insurance policies....

[1968mooney]

$2500 sounds about right.

[hohenwald48]

I pay around $500/year on my 2006 gas motorhome I bought for about 40K. I suppose location has some impact on premium and of course, your house is not going to run over anyone at an intersection or slide off in a ditch on a rainy day. 🙂