RV Insurance

[MrsGrapes]

We are looking to move the Insurance on our Class A from Progressive. Any suggestions for a new company? Pros and Cons welcome!

 

[Nobaddays]

I’ve been with Foremost for 3 years. Had 1 glass claim and was very impressed with their service. I had a couple agents shop around at renewal and Foremost was still the best price.

 

[MrsGrapes]

Thanks for your response. Can you share your underwriting agency with me? As I shop the greatest challenge is getting an educated individual on the line and having confidence in their quotes! There are apples and oranges and I am dealing with online sales people that are online order takers and haven't a clue. But as a consumer I have quotes swinging almost $1600 less through Good Sam underwriting with Genrrsl National Insurance.

Because we are a minority with our local companies I am always concerned when I teach out to them..that they do not understand the product that I am requesting. Very frustrating!

 

["EZ"]

FMCA has companies that offer RV insurance for their members specifically for the reasons you outlined. These people know what you're doing and know what RV'ers need. It might be worth a look!

 

[FLSteve]

We are looking to move the Insurance on our Class A from Progressive. Any suggestions for a new company? Pros and Cons welcome!

@MrsGrapes ... I have been with the same agency for a number of years and really like them. Ron will search for the best policy each year at renewal time.

FLSteve

Ronald L. Jarvie
Certified Insurance Counselor
Overland Insurance Services
480-994-9584 or 800-677-4027
[email protected]

 

[ehochuli85]

We, too, are looking for insurance coverage on our new coach. I've checked with Ron Jarvie, as well as the various carriers listed in this thread, (Progressive, Foremost, and FMCA). Unfortunately, they will not insure an RV above $1M, and the coach we're getting next month is a new Newell that is well over that. Does anyone have any other suggestions? Thank you very much, Ed

 

[sheridany]

@ehochuli85
It’s very difficult to find any carrier that will insure over $1mm as you stated. You can try pure Insurance but they will want all your insurance business. Try Ron Lazarto and he can fill you in.
[email protected]

High Net Worth Insurance | PURE Insurance

At PURE, insurance is about more than just the things we protect. Discover our range of insurance coverage solutions, perfect for high net worth…

www.pureinsurance.com

 

[Neal]

Before I switched I used National General (Good Sam). They were fine until the 33% increase one year. Worth a call?

 

[ehochuli85]

Before I switched I used National General (Good Sam). They were fine until the 33% increase one year. Worth a call?

Thank you both - Neal and Sheridan. I'll give them a shot.

 

[JRS]

I used Miller RV Insurance who's a broker. Had the LLC insured with National and when we switched to a Florida registration, the best deal was with Progressive. They'll shop for you.

 

[ehochuli85]

I used Miller RV Insurance who's a broker. Had the LLC insured with National and when we switched to a Florida registration, the best deal was with Progressive. They'll shop for you.

Thank you!

 

[FLSteve]

Have you asked the question on the Newell Owners Club site on this forum? I see lots of Newell's out there so someone must insure them.

FLSteve

 

[ehochuli85]

How does the owner of a Newell, Prevost, Foretravel or other “high-end” coach find insurance? We mortgaged our future and sold our kids into slavery to buy a 2023 Newell, but then I hit a brick wall in finding insurance to cover the whole thing. I learned that many folks self-insure a large part of it, or some get two policies, (which you can’t do in some states). But I financed as much of the coach as I could, (my money makes far more invested than the 4% I’m paying for the loan), but the lender insists on coverage to the extent of the loan. So I either have to find insurance for the whole loan, or put almost a million down on the purchase. Besides, why would I want to take the chance on totaling a $2M coach by fire or otherwise, and not have insurance to cover the whole thing?

So I started this thread seeking insurance advice, since I was striking out everywhere in my search for full coverage on a $2M coach. I tried FMCA, Progressive, RLI, Safeco, and the agents who have been recommended for insurance for high-end coaches. None of those carriers would go over $1M, and the agents to whom I was referred, (including Ron Jarvie, Melissa Thum), couldn't get me anything.

Ultimately, Steve (CaptainGizmo) referred me to State Farm, and he was right – thank you CaptainGizmo‼! State Farm is the answer for expensive coaches. Steve referred me to his State Farm agent in CA (and AZ):

• Steve Little (CA & AZ) - [email protected] / 310-954-9754

And since my residence is South Dakota, (we’re full-timers), Steve Little referred me to a South Dakota State Farm agent:

• Aaron Smith (SD) - [email protected] / 605-361-3515

Aaron has lined me up with full coverage and exactly what I want with State Farm. Delivery of the coach in 3 weeks!

Thanks again, CaptainGizmo,

Ed

 

[Buly]

We just got our renewal from FMCA. Up by 50% (+$1200). In 5 years we had only one windshield damage claim.

 

[Buly]

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