Insurance!
This has me hopping mad! I've been a USAA member for a LOT of years (40+) and always had my TT insured through them. Now they're out of the RV segment and have partnered with Progressive for that. Last year when I was finishing the build (and tallying receipts) I thought insurance would be a good idea. I called USAA who sent me to Progressive where I bought a policy for $162/yr.
We move from NY to IN last month and I get everything switched over with USAA, no problem. They remind me to call Progressive and do the same. After 20 mins on the phone getting the new policy written, they ask for the VIN. I tell them there is no VIN, only a serial number. This is not a vehicle, it's a camper. Uh-oh, please hold.
The Progressive guy comes back on the phone and says they can't write the policy since the camper has no VIN. Further, my NY policy currently in effect with Progressive is being cancelled immediately, because it was written by an independent agent, not a Progressive employee, and they made up numbers for the VIN to get the policy boarded. WHAT?? Oh, and you're not entitled to a refund.
So I call USAA back and let them know how well Progressive is treating their customers. I got a really nice guy on the phone who tells me that my camper is actually covered by my homeowners policy like any other personal property.
If you had $5000 worth of expensive furniture in your truck and you were in a crash and rolled the truck and ruined the furniture, the auto policy would cover damage to the truck and homeowner's would cover the loss of the furniture. Same with the camper, it's personal property like furniture, not a vehicle.
The main reason for wanting insurance is to cover it from storm damage while it's parked, not really concerned about collision.
Who do you guys use for insurance? Anyone have a similar experience with Progressive? Anyone get a similar story about being covered by homeowners?
We move from NY to IN last month and I get everything switched over with USAA, no problem. They remind me to call Progressive and do the same. After 20 mins on the phone getting the new policy written, they ask for the VIN. I tell them there is no VIN, only a serial number. This is not a vehicle, it's a camper. Uh-oh, please hold.
The Progressive guy comes back on the phone and says they can't write the policy since the camper has no VIN. Further, my NY policy currently in effect with Progressive is being cancelled immediately, because it was written by an independent agent, not a Progressive employee, and they made up numbers for the VIN to get the policy boarded. WHAT?? Oh, and you're not entitled to a refund.
So I call USAA back and let them know how well Progressive is treating their customers. I got a really nice guy on the phone who tells me that my camper is actually covered by my homeowners policy like any other personal property.
If you had $5000 worth of expensive furniture in your truck and you were in a crash and rolled the truck and ruined the furniture, the auto policy would cover damage to the truck and homeowner's would cover the loss of the furniture. Same with the camper, it's personal property like furniture, not a vehicle.
The main reason for wanting insurance is to cover it from storm damage while it's parked, not really concerned about collision.
Who do you guys use for insurance? Anyone have a similar experience with Progressive? Anyone get a similar story about being covered by homeowners?
