Insurance?

[CuriousGeorge]

Purchased a new Winnebago towable in 2016 that I parted with in 2019 and now shopping for a new Aliner pop up. At the time my insurance coverage was less than $200 yearly.

Called my insurance company to get a ballpark quote on coverage before buying and about fell out of my chair! Was told rates are now about $1500 to $2000 yearly for a $22,000 unit.

Is this for real or am I missing something?

 

[team bradfield]

Keep shopping, I pay less than that for my 2023 Dutch Star, try progressive

 

[Jim]

Purchased a new Winnebago towable in 2016 that I parted with in 2019 and now shopping for a new Aliner pop up. At the time my insurance coverage was less than $200 yearly.

Called my insurance company to get a ballpark quote on coverage before buying and about fell out of my chair! Was told rates are now about $1500 to $2000 yearly for a $22,000 unit.

Is this for real or am I missing something?

I agree with @team bradfield, Progressive is probably going to have better rates.

 

[MemoriesByTheMile]

Be sure to shop beyond just Progressive.
In our 6 years of RV ownership progressive was the cheapest - never. But they are usually in the competitive grouping.
There are so many factors that can impact pricing: crime rate where you live, accident rates in your area, own or rent home, credit score, history of insurance claims, accident history, miles driven each year, deductible, state regulations, etc

 

[Russellvh]

Geico. $2200.00 5th wheel and F250. Full coverage both.

 

[Neal]

Purchased a new Winnebago towable in 2016 that I parted with in 2019 and now shopping for a new Aliner pop up. At the time my insurance coverage was less than $200 yearly.

Called my insurance company to get a ballpark quote on coverage before buying and about fell out of my chair! Was told rates are now about $1500 to $2000 yearly for a $22,000 unit.

Is this for real or am I missing something?

I suggest reach out to this insurance broker many of us use:

Post in thread 'RV Insurance'

May 15, 2023

Thanks to FLSteve, we contacted Ron at:
Ronald L. Jarvie
Certified Insurance Counselor
Overland Insurance Services
480-994-9584 or 800-677-4027
[email protected]
FMCA was asking $3700
Ron got us a policy for $2600

• Buly

• 

 

[Jireh Financial]

Not every insurance company wants to have policies for everything. Sometimes things are priced for the sole reason of not getting the business. That way they can say they offer coverage but reality says they don't want that business. It's the same with all toy insurance coverage.
Also, be sure to compare apples to apples when gathering your quotes. Not all agents quote the same.
Ken

 

[CuriousGeorge]

Appreciate the replies. After making several calls today it seems I was mistaken on what my existing auto and rental insurance policy holder told me. The gist of it is this - if an RV is added to the existing carrier's two policies it's considered a change over the previous locked in price and now opens the door to a general update rate hike of all. Thus it adds the RV, but permits significant new rate increases to the others.

So if buying RV insurance from a different vendor its about $150 a year (got two quotes this afternoon) and I keep my present rate from the existing company for auto and renter. If adding to my existing auto and rental policies they bump up all three to the tune of $1200 additional per year.