โApr-22-2015 08:07 PM
โApr-25-2015 04:11 PM
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.
โApr-25-2015 02:59 PM
โApr-25-2015 01:19 PM
โApr-25-2015 11:57 AM
โApr-25-2015 11:49 AM
bodyshop bob wrote:
WOW - there's a lot of info and opinion on this thread.
If you don't know much about insurance -- go find a reputable Independent Agent to assist you and tell him you want.
If you feel comfortable hacking through the jungle of online insurance quotes then feel free to spend an entire day trying to figure out the different quotes.
Simply put, the more you learn the better your final decision will be.
You CANNOT look at bottom line cost without looking at what is covered and how its covered.
Having said all that -- it came down to Allied and Blue Sky for me and I chose Blue Sky. But I know exactly what I bought and exactly what is covered so I don't ever expect to have an issue if/when I need them.
โApr-25-2015 10:59 AM
Goostoff wrote:sflabrkr wrote:Dave H M wrote:
If you are not full time, why not give your parent insurance company a call. That costs nothing and the bundle may be the answer.
It was for with USAA.
I did, I have geico for over 35 years.
One thing I have noticed over the years is that ins companies do not reward loyalty. Maybe its time to shop around.Everyone always has those low rates to get your business and then jack the **** out of you the next year. I have changes agents twice in the last 3 years. I am tired of these organized mob bosses and their legalized extortion digging in my pockets.
โApr-25-2015 10:56 AM
bodyshop bob wrote:
WOW - there's a lot of info and opinion on this thread.
If you don't know much about insurance -- go find a reputable Independent Agent to assist you and tell him you want Collision/Comp & Liability coverage along with an awning endorsement at a minimum. If you can a write a check for $1000 any day of the year and not miss a meal, that should be your deductible.
If you feel comfortable hacking through the jungle of online insurance quotes then feel free to spend an entire day trying to figure out the different quotes. The more you learn about the different add-on coverages the better shopper you become. Collision & Comp will be some what similar across the companies. Liability will be very different as each company has a different stand on how much risk they are willing to assume. You do need awning coverage. You most likely do not need personal property coverage for you MH. Your homeowners policy will cover your personal property while on the road. (10% of Section C coverage on your HO policy) -- call your HO agent to get the exact figure. Mine is $16,500 of coverage and I'm comfortable assuming the risk for any overage.
There are interesting new wrinkles like paying a bit more but getting up to 25% of your deductible waived for each year of coverage without a claim.
Very Important -- ask about total loss coverage and how is the value of the MH determined? Ask if coverage on some items is subject to depreciation. For example, you're camping and a Florida thunderstorm comes up and causes a large limb to fall striking your A/C unit and it can't be fixed. Will your coverage allow for a new A/C unit or will the value of the A/C unit be adjusted due to its age? Some depreciated coverage will reduce the value of the A/C unit up to 75%. In other words, the insurance company will only pay 25% of the cost of a new unit and still charge you your comprehensive deductible, to boot.
Simply put, the more you learn the better your final decision will be. You CANNOT look at bottom line cost without looking at what is covered and how its covered.
Having said all that -- it came down to Allied and Blue Sky for me and I chose Blue Sky. But I know exactly what I bought and exactly what is covered so I don't ever expect to have an issue if/when I need them.
โApr-25-2015 07:19 AM
sflabrkr wrote:Dave H M wrote:
If you are not full time, why not give your parent insurance company a call. That costs nothing and the bundle may be the answer.
It was for with USAA.
I did, I have geico for over 35 years.
โApr-25-2015 07:09 AM
โApr-24-2015 04:40 PM
Goostoff wrote:
Inever did see where you mentioned what you were insuring, but my 5th wheel costs me $437 a year for full coverage through american family.
โApr-24-2015 04:39 PM
Dave H M wrote:
If you are not full time, why not give your parent insurance company a call. That costs nothing and the bundle may be the answer.
It was for with USAA.
โApr-24-2015 11:19 AM
โApr-24-2015 06:57 AM
โApr-24-2015 06:09 AM