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Old 03-08-2018, 06:51 AM   #1
Seasoned Camper
Join Date: Jan 2018
Location: Forked River
Posts: 52
M.O.C. #21148
RV Insurance

I would like to get some feed back on insurance companies for RV's. I got lucky and was a little pissed off at my auto provider when I added my 353RL to the policy only to find out it was only covered while towing, would have been nice if they disclosed that at the time of request. So I had to scramble to get full coverage, but since I do work independently within the insurance industry, the company I got stuck with isn't my favorite. Now I'm looking for other options.
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Old 03-08-2018, 08:34 AM   #2
Montana Master
Join Date: Feb 2012
Location: Lake Gaston
Posts: 7,866
M.O.C. #12156
We have been happy with Progressive.
Mike and Lorraine
2002 3655 FL, 2005 3650RK
2010 3665RE, 2015 3910FB
F350 crew cab dually 6.7
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Old 03-08-2018, 08:51 AM   #3
Montana Master
Join Date: Jan 2005
Location: North Ridgeville
Posts: 19,774
M.O.C. #2839
We use progressive for all our needs. We are not fulltimers.
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Old 03-08-2018, 09:22 AM   #4
Montana Master
Join Date: Oct 2006
Location: McKinney
Posts: 5,250
M.O.C. #6433
We have had home, auto, and RV with State Farm for many years and have always been very pleased with how quickly they have handled claims on any of them. Caught a steel column with my rear cap exiting storage last year and did major damage to rear cap. Called State Farm, they said take it to repair facility of my choice, repair facility worked estimate, got approval from SF, and completed repairs all in a 3 week period. And that included July 4th holiday in the middle. $14,000. Cost me $500 deductible.

Have even refinanced an SUV and truck thru them after first getting rebates for going thru Ford credit. Rates were as good as local banks and CUs.
Bill & Patricia

2007 3075RL
2012 F350 SRW CC LB FX4 6.7
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Old 03-08-2018, 10:13 AM   #5
AZ Traveler
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Join Date: Sep 2017
Location: Oro Valley
Posts: 1,841
M.O.C. #20477
Happy with Geico.
Zack and Donna plus Millie
2018 Montana 3160RL
2012 F-250
"Life is too short to stay indoors, enjoy the ride!"
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Old 03-08-2018, 10:27 AM   #6
Carl n Susan
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Join Date: Oct 2005
Location: Carmichael - CA
Posts: 4,035
M.O.C. #4831
Many automotive policies only cover the RV when being towed. I have my Montana insured with The Hartford under a separate RV policy.
Carl (n Susan) Youngren
There is more to life than fuel mileage.
2012 Montana 3700RL Big Sky Package towed by a 2015 Ford F350 6.7L PSD 4WD CC LWB

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Old 03-08-2018, 11:06 AM   #7
Montana Master
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Join Date: May 2011
Location: Hixson
Posts: 3,060
M.O.C. #11397
We have had full timers coverage with GEICO for about 7 years and are very happy with it.
2018.5 Montana 3791RD
2012 F350 SRW 6.7 PSD

Full Timing since September 1, 2010
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Old 03-08-2018, 05:29 PM   #8
Seasoned Camper
Join Date: Mar 2017
Location: Pine
Posts: 50
M.O.C. #19552
Our Montana has no specific insurance. My only concern is liability so I carry an umbrella liability policy that goes beyond standard vehicle liability insurance.
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Old 03-09-2018, 10:21 AM   #9
Five O'clock Somewhere
Established Member
Join Date: Jul 2017
Location: Nicholson
Posts: 43
M.O.C. #20168
We found Progressive provided the best RV coverage.
1) Total loss replacement, with the same model year, for years 1 thru 4.
2) Total loss replacement, at the initial purchase price, year 5 forward.
3) Vacation liability - $10,000 coverage
4) Personal effects replacement $2,000 limit
5) Roadside assistance.
6) Pet insurance $500 limit
7) Mexico coverage

Our premium for a year is only $900
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Old 03-09-2018, 10:52 AM   #10
Montana Fan
Join Date: Mar 2016
Location: Sedona
Posts: 176
M.O.C. #18355
We have Encompass and I had the pleasure of using it last year after snagging a cut-off limb in a tight campground. Reported it to the company at the time and 4-6 months later when we got home, had it fixed with no problems other than the $500 deductible. Our policy covers the TV, the RV and other vehicles and whatever occurs wherever (not just while towing) as well as umbrella coverage for all vehicles and the RV as well as the residence for less than $300 per year for the RV. Road hazard and towing is covered by our Good Sam coverage.
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Old 03-09-2018, 11:28 AM   #11
Seasoned Camper
Join Date: Jan 2018
Location: Forked River
Posts: 52
M.O.C. #21148
I've looked into several companies and appreciate everyone's response! I have progressive right now, full coverage agreed value policy for $365/yr. I checked with Geico but they were Actual Cash Value policies which means they can depreciate the hell out of your RV. I'll look into a few more when I get back from vacation and share what I found. Make sure if you do obtain insurance for full coverage that they cover it while its sitting as well as being towed. Allstate didn't disclose that to me until I pushed them and if a tree fell on my previous camper I would have been out of luck!
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