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04-04-2006, 07:25 AM
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#1
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Seasoned Camper
Join Date: Feb 2006
Location: Canandaigua
Posts: 58
M.O.C. #5414
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Insurance
What do you do about insurance? Do you have a separate policy for your Monty with an insurance company or do you keep it with the truck or homeowners policy? I found if I have a separate policy I can get full replacement value but with a homeowners or with the truck which is under the homeowners policy, the monty is covered with depreciation each year. May change to a separate polciy.
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04-04-2006, 08:42 AM
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#2
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Montana Master
Join Date: Feb 2005
Location:
Posts: 1,502
M.O.C. #3142
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That is what we just did b/c of the truck policy not being able to insure it for full replacement value.The truck insurance did it for the first year only.
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04-04-2006, 11:36 AM
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#3
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Montana Master
Join Date: Nov 2005
Location: Paola
Posts: 5,739
M.O.C. #4961
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Montanaman, I went with a seperate insurance that gives me full replacement for the 1st 7 years then what I paid for the unit after the 7th year on.
__________________
Dennis & Linda Ward
Paola, Kansas
Montana 3735MK Legacy Edition
1200 watts of Solar
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04-04-2006, 01:11 PM
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#4
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Montana Master
Join Date: Jan 2004
Location: Down the Road
Posts: 5,627
M.O.C. #889
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I have mine on my truck policy, it is what worked for me. Might have to look into a seperate policy to get the replacement coverage if still able to.
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04-04-2006, 01:49 PM
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#5
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Montana Master
Join Date: Jun 2005
Location: Naples
Posts: 658
M.O.C. #4049
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Have had separate insurance for over eight years. Best money ever spent, because in 2004 we had a tornado go through the campground where we spend the summer and completely destroy our Coachman TT. Insurance adjuster showed up and wrote a check for the full amount almost on the spot.
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04-04-2006, 02:53 PM
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#6
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Montana Master
Join Date: Jan 2005
Location: North Ridgeville
Posts: 20,229
M.O.C. #2839
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We have all our insurance on with the same company which makes for a multi policy discount,The Camper is on our Homeowners policy and the coverage is as if it were a home. Full replacement value, etc. Never used it and hope we never do.
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