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.

 

[DaleFunkhouser]

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

I am Dale Funkhouser, I have a 2019 Airstream Nineteen on a 2018 Mercedes Sprinter chassis. I drove my vehicle into the Mercedes Dealership in October 2025 to have the windshield replaced. While it was in the shop they did a software update. When I drive it home the dash error lights were flashing, this was new. The next day I called Mercedes and complained and was told the upgraded software would not cause this and there must be another problem. The following day I went to start the RV to bring it back to the dealer and it would not start. I had it towed to the dealer.

Upon inspection they found there was rodent damage to the wiring harness. I opened a claim with National General Insurance. We are currently 2 months into this, and they just denied the claim, stating that the damage must be "sudden and direct". This is ridiculous as rodent damage is never sudden and direct, and rodent damage is covered under comprehensive. My RV parking is next to my home, on a 20' x 40' covered cement parking area. There are no plants, bushes or dirt anywhere near the RV.

This is way beyond reasonable. I don't know if it is because we are senior citizens and the claims department feels we can be bullied or fooled or if it is just a game to someone. My wife is disabled, and we use this vehicle to accommodate some of her disability needs. I want everyone to be aware that National General is not honorable and will use any excuse to avoid paying a claim.

 

[fishslayer]

I added mine to my State Farm policies..its around 240 yr

 

[bcoday]

I recently had an issue where DEF was accidentally introduced into the fuel tank of my diesel truck, resulting in a full fuel system replacement estimate of approximately $16,000.

My insurer (National General) has indicated they may not cover this under comprehensive coverage. The dealership where I had my truck repaired mentioned that Geico and Progressive have covered this for their customers with no issues at all. They were very surprised to hear that National General declined.

I’m trying to understand how other carriers handle accidental fuel contamination claims.

For those who have experienced this, was it treated as:
Comprehensive (accidental contamination)?
Mechanical breakdown (excluded)?
Or something else?

Any firsthand experience with how Geico, Progressive, or other carriers approach this would be helpful.

 

[Underboss]

I recently had an issue where DEF was accidentally introduced into the fuel tank of my diesel truck, resulting in a full fuel system replacement estimate of approximately $16,000.

My insurer (National General) has indicated they may not cover this under comprehensive coverage. The dealership where I had my truck repaired mentioned that Geico and Progressive have covered this for their customers with no issues at all. They were very surprised to hear that National General declined.

I’m trying to understand how other carriers handle accidental fuel contamination claims.

For those who have experienced this, was it treated as:
Comprehensive (accidental contamination)?
Mechanical breakdown (excluded)?
Or something else?

Any firsthand experience with how Geico, Progressive, or other carriers approach this would be helpful.

I am not sure why any insurance company would cover your putting DEF into the diesel tank. Where would the claims stop? "Oh I forgot to put oil in my engine after I drained it and I accidentally drove off"

 

[fishslayer]

I had tje same tjought..easy way to get a new motor..

 

[bcoday]

I am not sure why any insurance company would cover your putting DEF into the diesel tank. Where would the claims stop? "Oh I forgot to put oil in my engine after I drained it and I accidentally drove off"

Yeah, I expected these kinds of responses. A careful read would help you with your assumption about how the DEF was introduced as I was careful not to blame the guilty party. I also tried to make the question/request pretty clear. We're all on the same page about the fact that it should not be done. We're all in agreement that it's a stretch for insurance to cover every single possible scenario. What is being asked here is for circumstances where some insurance companies have covered this kind of thing and when they have not. Here it is again... "Any firsthand experience with how Geico, Progressive, or other carriers approach this would be helpful." If you don't have this kind of experience, you don't have to waste your time with a response.

 

[Russellvh]

I am not sure why any insurance company would cover your putting DEF into the diesel tank. Where would the claims stop? "Oh I forgot to put oil in my engine after I drained it and I accidentally drove off"

A little different but I had a soft spot on my floor. A inspection found rotted flooring and mold due to a leak. Dealer took over and repairs were paid for by GEICO. The next renewal my policy went down and the following renewal it went down again.