EverywhereMan Posted May 31, 2018 Report Share Posted May 31, 2018 Hi, We are picking up our new 5th wheel in 2 weeks. Would appreciate possible recommendations on the type of insurance coverage and companies in the RV insurance industry we may call for a quote. We don't want this insurance as an extension of our auto policy. Thank you! Quote Link to comment Share on other sites More sharing options...
Chad Heiser Posted May 31, 2018 Report Share Posted May 31, 2018 If you are going full time, then you don’t just want RV insurance you want full timers insurance. This is RV insurance with additional liability coverages like on a home owners policy. I personally am not a full timer, so I have standard RV insurance. I, however, carry a lot of stuff in my RV so I did adjust some coverage higher (like personal property) to compensate. An RV is a big investment and you want to make sure it is covered properly. I went through Miller Insurance for my needs. They are a broker that specializes in the RV market. They know what to ask to make sure you get the coverage you want/need. They then shop around to find you the best policy to meet those needs. I got a policy with National General through them. There are several other RV specific brokers out there that are also well thought of on this forum, but I don’t have there names in front of me to list here. I’m sure someone will come along and list them soon. Quote Link to comment Share on other sites More sharing options...
Optimistic Paranoid Posted May 31, 2018 Report Share Posted May 31, 2018 Take a look at this web page: http://www.rv-dreams.com/rv-insurance-coverages.html Quote Link to comment Share on other sites More sharing options...
Kirk W Posted May 31, 2018 Report Share Posted May 31, 2018 Here are some agencies with good reputations in the RV community: AIS insurance Foremost Insurance RV Advantage Explorer RV Insurance Miller Insurance Each of these agencies have a long and proven track record in the RV Community. Quote Link to comment Share on other sites More sharing options...
LindaH Posted May 31, 2018 Report Share Posted May 31, 2018 12 hours ago, EverywhereMan said: We are picking up our new 5th wheel in 2 weeks. If you mean brand new rather than *new-to-you,* then you will definitely want total loss replacement coverage. This coverage will buy you a brand new, equivalent, RV in case of total loss within the first 5 model years (check on this with any insurance company you're talking with...we ran into a case with one insurance company whose total loss replacement coverage was only for an 18-month period). Thereafter, they'll pay you the amount you purchased your rig for. Without this coverage, all you'd get in the case of a total loss would be market value which is considerably less. As mentioned, if you are going to fulltime in your rig, you'll need fulltimers insurance. Otherwise, rv-specific insurance will do. Quote Link to comment Share on other sites More sharing options...
EverywhereMan Posted July 1, 2018 Author Report Share Posted July 1, 2018 Thank you for your advice! Quote Link to comment Share on other sites More sharing options...
richfaa Posted July 2, 2018 Report Share Posted July 2, 2018 If you are full timing take the advise of the full timers here.We are long Timers and use Progressive for all our Vehicle needs. We are satisfied with the service. Quote Link to comment Share on other sites More sharing options...
rynosback Posted July 2, 2018 Report Share Posted July 2, 2018 3 hours ago, richfaa said: If you are full timing take the advise of the full timers here.We are long Timers and use Progressive for all our Vehicle needs. We are satisfied with the service. I am back with Progressive as Blue Sky no longer insures 5th wheels. My rate and coverage are comparable. Quote Link to comment Share on other sites More sharing options...
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