Altonymous Posted June 23, 2015 Report Share Posted June 23, 2015 Hi All, We are shopping around for RV insurance and have gotten almost identical quotes from two brokers (Farm & City and Millers) and both quoted Allied as the best fit for Insurance. I have yet to figure out any appreciable difference between the two brokers except that Farm & City offers Medical Limits of 10K for $10 premium and Millers offers PIP of $5000 for $13 premium. Does anyone have any experience with either broker (or PIP vs Medical Limits) that could help us break the tie? Thanks! ***for anyone thats curious, these are the criteria we are currently looking at getting... Liability - $250,000/$500,000/$100,000 Uninsured Motorist - $250,000/$500,000 Uninsured Motorist PD - $100,000 Comprehensive - $1000 Deductible Collision - $1000 Deductible Physical Damage Settlement Options - Agreed Physical Damage Amount - $150,000 Custom Equipment - $1,000 Personal Effects - $5,000 Roadside Assistance - $2,000 Full Timers Liability - Yes Glass Coverage - Yes ($100 Deductible) Awning Replacement Coverage - No Emergency Vacation Expense - Covered Under Roadside Assistance (plus either PIP or Medical limits)*** Link to comment Share on other sites More sharing options...
JRP Posted June 24, 2015 Report Share Posted June 24, 2015 I have used Millers for years, for several RV policies and they have been good to me. But I also hear nothing but good about Farm & City. As far as Medical vs PIP, that's usually decided by which state you're in, not optional. If your home state is no fault insur based, then PIP is usually required as part of the no fault sys. States that are not no-fault use the Medical coverage instead of PIP. There may be some states where either one is an available option, I just haven't run into any of those. PS: $5000 Personal Effects seems too low for a fulltimer Jim Link to comment Share on other sites More sharing options...
Altonymous Posted June 24, 2015 Author Report Share Posted June 24, 2015 What we've found is that the limit imposed upon Personal Effects on a per item basis make's it fairly useless to us. We don't have a lot of belongs... $5000 would easily cover most everything we own except technology. And the PE maximum of $500 /item makes it pointless to try and cover electronics with it. We'll likely go with a different policy or Scheduled Coverage to cover the electronics. Link to comment Share on other sites More sharing options...
aunut Posted June 29, 2015 Report Share Posted June 29, 2015 Why have $100,000 UMPD? You have only $1,000 deductible collision, which is about all you would have out of pocket you would have to pay for your own property damage if hit by an uninsured motorist. 2014 Winnebago Vista 35B Class A. 2010 Honda CR-V. Link to comment Share on other sites More sharing options...
richfaa Posted June 29, 2015 Report Share Posted June 29, 2015 We looked for one that had easy access to agents Nation wide. Helen and I are long timers ..08 F-350 Ford,LB,CC,6.4L,4X4, Dually,4:10 diff dragging around a 2013 Montana 3402 Big Sky SKP 100137. North Ridgeville, Ohio in the summer, sort of and where ever it is warm in the winter. Link to comment Share on other sites More sharing options...
docj Posted June 29, 2015 Report Share Posted June 29, 2015 What we've found is that the limit imposed upon Personal Effects on a per item basis make's it fairly useless to us. We don't have a lot of belongs... $5000 would easily cover most everything we own except technology. And the PE maximum of $500 /item makes it pointless to try and cover electronics with it. We'll likely go with a different policy or Scheduled Coverage to cover the electronics. With most companies it's pretty inexpensive to get specific article coverage for high value items. For example, that's the coverage we have on my wife's sewing machine. Furthermore, I'm not sure where you got the $500 limitation on replacement of an item. Our policy states that we would have to provide proof of purchase for any item in excess of $500, but it's not a hard limit as to reimbursement. It's not that we have that many things worth more than that, but for those we do have receipts. Sandie & Joel 2000 40' Beaver Patriot Thunder Princeton--425 HP/1550 ft-lbs CAT C-12 2014 Honda CR-V AWD EX-L with ReadyBrute tow bar/brake systemWiFiRanger Ambassador Follow our adventures on Facebook at Weiss Travels Link to comment Share on other sites More sharing options...
Mike and Claudia Posted June 30, 2015 Report Share Posted June 30, 2015 I would ALSO check out Blue Sky Insurance. I have had them for a couple of years. I have had no casualty, but those on the forum that HAVE have assured me that they paid promptly without hassle. There have been some grumbles about the price going up, but hey, everything else is too. Just a thought. It is hard to get too many quotes. Be Blessed! Traveling America in "God's Grace" Link to comment Share on other sites More sharing options...
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