Cotreker Posted February 23, 2022 Report Share Posted February 23, 2022 Just notified today that Progressive is dropping me in 5 days. My Totorhome semi is not qualified. Allstate dropped me previously because they are getting out of large insurance RV types. Not sure where to go next, any company suggestions would be great! Dennis Quote Volvo 670 / 2006 10-Speed ATV's & Sleds 2017 Host Mammoth Slide-In Camper on Deck Jackalopee Build article published here Link to comment Share on other sites More sharing options...
unimog1300 Posted February 23, 2022 Report Share Posted February 23, 2022 We are using State Farm for our KW registered as an RV in Illinois. I think it was insured as a stand alone policy to start with and then a few months later we moved all of our insurance there. We were not required to add any additional policies when they wrote the KW. Just so happens a few months after insuring the KW our former insurance (USAA) made us mad on a reimbursement and wouldn't pay so we took everything to SF and got a 1mil liability policy to boot. No claims to SF yet but have faith in the agent as they're family friends. Quote Link to comment Share on other sites More sharing options...
Cotreker Posted February 23, 2022 Author Report Share Posted February 23, 2022 Many thanks! Funny I left SF over 10 years ago to Allstate, was with SF for about 30 years. Will call in a.m. Quote Volvo 670 / 2006 10-Speed ATV's & Sleds 2017 Host Mammoth Slide-In Camper on Deck Jackalopee Build article published here Link to comment Share on other sites More sharing options...
unimog1300 Posted February 23, 2022 Report Share Posted February 23, 2022 We did the same years ago and then switched back because of the truck. We did send them pictures of some things inside the sleeper they asked for like fridge, microwave, etc we also sent a picture of the RV license plate. Quote Link to comment Share on other sites More sharing options...
crazybanshee Posted February 24, 2022 Report Share Posted February 24, 2022 I dropped SF when they said it was a commercial vin number and wanted commercial rates Quote 2007 Volvo 780 Ultrashift Trailersaver Hitch 2017 Momentum 397th 3 Yamaha Banshees 2 Honda 400EX's Polaris Outlaw 50 Polaris Outlaw 110 EFi 2018 Polaris RZR S 1000 Stealth Black 2019 Polaris RZR S 1000 Titanium Matte Metal 2015 Polaris RZR S 900 VooDoo Blue https://i.imgur.com/e0ajU8Pl.jpg Link to comment Share on other sites More sharing options...
Twotoes Posted February 24, 2022 Report Share Posted February 24, 2022 I switched to Geico several years ago and have been very happy. Little to no increase in premium over the years. Called State Farm but they would not do a full time policy on my Class A without a homeowners policy. Told them if I had a homeowners policy I wouldn't be a full timer. Quote 2015 Itasca Ellipse 42QD 2017 Jeep Wrangler Unlimited Rubicon Hard Rock Edition 2021 Harley Street Glide Special Fulltimer Link to comment Share on other sites More sharing options...
Cotreker Posted February 24, 2022 Author Report Share Posted February 24, 2022 I will write up my adventures on this Insurance topic making progress. Very time consuming and interesting rules to understand as always. Still finding ways to get quotes and NO's from other companies. Dennis Quote Volvo 670 / 2006 10-Speed ATV's & Sleds 2017 Host Mammoth Slide-In Camper on Deck Jackalopee Build article published here Link to comment Share on other sites More sharing options...
rickeieio Posted February 24, 2022 Report Share Posted February 24, 2022 I know this was discussed previously somewhere on this forum, but I'll repeat my recent experience: About a year ago, we bought another truck to convert. I called my old agent, Lazy Days RV in Florida. The woman I talked to was adamant that I couldn't convert to a MH unless I had a full bathroom. I found the page and paragraph in the policy where it spelled out the requirements, and asked her to please read it out loud to me. She started, and when she realized I was right, stopped. I tried several other agencies suggested on this forum, always getting nowhere. Finally, I called Lazy Days for the umpteenth time and got someone who knew her stuff. She even commented that most of the conversions are Volvos, that a KW was unusual. In just a few minutes I was insured, just as before. No restrictions for bob-tailing or even pulling other non-commercial trailers. Ya just gotta talk to the right person. Quote KW T-680, POPEMOBILE Newmar X-Aire, VATICAN Lots of old motorcycles, Moto Guzzi Griso and Spyder F3 currently in the front row Young enough to play in the dirt as a retired farmer. contact me at rickeieio1@comcast.net Link to comment Share on other sites More sharing options...
jenandjon Posted February 25, 2022 Report Share Posted February 25, 2022 On 2/23/2022 at 8:06 PM, crazybanshee said: I dropped SF when they said it was a commercial vin number and wanted commercial rates You need a different agent. I've had State Farm for 5 years now. It did go up a little bit this year but still around $70 a month. Quote Farmer, Trucker, Equipment operator, Mechanic Quando omni flunkus moritati-When all else fails, play dead I'm a man, but I can change, if I have to, I guess. Link to comment Share on other sites More sharing options...
rickeieio Posted February 25, 2022 Report Share Posted February 25, 2022 1 hour ago, jenandjon said: You need a different agent. I've had State Farm for 5 years now. It did go up a little bit this year but still around $70 a month. Insurance varies from state to state, even with the same underwriter. A policy offered in one state may not be available elsewhere. The more I learn about insurance companies and the laws governing them, the less I like them. Quote KW T-680, POPEMOBILE Newmar X-Aire, VATICAN Lots of old motorcycles, Moto Guzzi Griso and Spyder F3 currently in the front row Young enough to play in the dirt as a retired farmer. contact me at rickeieio1@comcast.net Link to comment Share on other sites More sharing options...
Cotreker Posted February 25, 2022 Author Report Share Posted February 25, 2022 Lazy Days just called me at 7:45 am, Grace knows RV insurance very well and is a Specialist with Progressive. I have found there are only 10 Progressive Specialist in the USA; finally I found one that knows the business (some DO not). State Farm is very expensive and they want 30 days to have Underwriting approve or reject. For those reading this post Insurance is much more difficult at least for me than others. Most of you have the advantage that you pull a 5er behind the truck/motorhome. By the way don't call it a Semi (red flags) Clock is ticking: Policy will be canceled at 12:01 am on Feb 26, 2022 because the Volvo has an unacceptable body style. I received this notice 5 days ago. So I am grounded for awhile and we use the rig for snowmobiling sometimes 2 to 3 weekends per month. Quote Volvo 670 / 2006 10-Speed ATV's & Sleds 2017 Host Mammoth Slide-In Camper on Deck Jackalopee Build article published here Link to comment Share on other sites More sharing options...
rpsinc Posted February 25, 2022 Report Share Posted February 25, 2022 I am VERY interested in this topic mostly because we just got our 730 insured. Used SF as we have had them for decades and have many policies. I did also get a quote from Miller, and they were right there on price, so we stayed with SF due to previous claim experience. ~$100/mo Quote Marcel Link to comment Share on other sites More sharing options...
Randyretired Posted February 25, 2022 Report Share Posted February 25, 2022 We have been with National General for many years. No problems so far. Quote Randy 2001 Volvo VNL 42 Cummins ISX Autoshift Link to comment Share on other sites More sharing options...
Cotreker Posted February 25, 2022 Author Report Share Posted February 25, 2022 I got insurance today through Progressive Commercial (underwritten by: Artisan & Truckers Casualty Co) as a private truck. My rates are not bad and I took the $100,000 Liability coverage. The same company that is going to drop me in 24 hours under another division. You cannot make up this crap, it is real and the fix did not come from Progressive. Some would say they are a dysfunctional company and I would agree. Personally have worked for a few dysfunctional companies and they still are able to make money. Randyretired - heads up and big warning National General is a part of Allstate who dropped me Feb 2, 2022. They now have a company mandate to not renew any large RV's. I was with Allstate 5 years with the Volvo, my agent attempted to get me under National and they said Hell no. You will be given a 30 day notice, but your agent will know 3 months or more in advance. This is also no industry secret some of the other insurance companies know this and are taking on that business. Maybe I will share my adventure in this thread next week. This was hard for me (many hours) and hard for the agents I contacted, really HARD. Quote Volvo 670 / 2006 10-Speed ATV's & Sleds 2017 Host Mammoth Slide-In Camper on Deck Jackalopee Build article published here Link to comment Share on other sites More sharing options...
rickeieio Posted February 26, 2022 Report Share Posted February 26, 2022 I'm glad it worked out for you. It can be frustrating. Quote KW T-680, POPEMOBILE Newmar X-Aire, VATICAN Lots of old motorcycles, Moto Guzzi Griso and Spyder F3 currently in the front row Young enough to play in the dirt as a retired farmer. contact me at rickeieio1@comcast.net Link to comment Share on other sites More sharing options...
Randyretired Posted February 26, 2022 Report Share Posted February 26, 2022 When I called my HDT a toterhome National General was ready to drop me. When I sent a picture and explained it is an HDT with a bed and it is just a tow vehicle for my 5er they happily insured me. They explained the don't insure HDT's with any RV home built on the back. If your HDT is a tow vehicle you might not want to call it a toterhome. Just my experience. Quote Randy 2001 Volvo VNL 42 Cummins ISX Autoshift Link to comment Share on other sites More sharing options...
crazybanshee Posted February 26, 2022 Report Share Posted February 26, 2022 14 hours ago, jenandjon said: You need a different agent. I've had State Farm for 5 years now. It did go up a little bit this year but still around $70 a month. My SafeCo policy is $460 a year with better coverage than SF Quote 2007 Volvo 780 Ultrashift Trailersaver Hitch 2017 Momentum 397th 3 Yamaha Banshees 2 Honda 400EX's Polaris Outlaw 50 Polaris Outlaw 110 EFi 2018 Polaris RZR S 1000 Stealth Black 2019 Polaris RZR S 1000 Titanium Matte Metal 2015 Polaris RZR S 900 VooDoo Blue https://i.imgur.com/e0ajU8Pl.jpg Link to comment Share on other sites More sharing options...
beemergary Posted March 1, 2022 Report Share Posted March 1, 2022 Had Gulfway on my Peterbilt. Went to SF for allittle less money doing declared value on both. SF is 15 miles away and Gulfway is 1300 miles. Quote Link to comment Share on other sites More sharing options...
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