General insurance ???

[PktChg]

I realize there is an Insurance topic area, it just seem to get many "visitors" and I wanted to get a more rounded response. I realize this question has been asked in general terms before, I have a bit more of a detailed question: Is there a company that will insure my 5th-wheel as my residence and not like my truck??? Everyone gathers info based on a drivable vehicle and obviously a 5th-wheel is not drivable. Before anyone asks or comments, my vehicle carrier farms out their RV insurance and it is very expensive. Thanks.

[DonandJudy_12]

We have been with Good Sam for 20 plus years- They have experience as underwriters for those of us who fulltime without a stick and bricks domicile- Our experience with the coverage they offer has been very pleasant- JMHO- Don

[waynemoore]

Good Sam for us. Now the chipes but find the coverage is the best.

[waynemoore]

Sorry. Not the cheapest.

[DQDick]

We use Blue Sky. We get full timers coverage and replacement cost. There are a few companies out there that understand the full time lifestyle and you need to make sure what you have is one of those. Built in blanket liability is usual a key since most folks get that from their S&B.

[mhs4771]

We have Progressive, with Flo, full coverage with replacement cost. Have gotten quotes several times through GoodSam which have been several time higher than Progressive. Now in their defense, I think someone isn't doing their research on our SOB and are quoting it as a MH.

[MDL]

quote:Originally posted by DQDick

We use Blue Sky. We get full timers coverage and replacement cost. There are a few companies out there that understand the full time lifestyle and you need to make sure what you have is one of those. Built in blanket liability is usual a key since most folks get that from their S&B.

Just curious, do they cover something like temporary lodging if you damage the vehicle and need a repair, or maybe if you have a complete loss???

[1retired06]

Yes, we use Progressive for the rig. USAA for the truck.

[K0LCB]

We use USAA for our truck, a few years ago USAA switched us to progressive for RV coverage. I can't complain

[JandC]

We have only been full time since March and have not had any claims, so once I have a claim I could change my opinion. We got advise on the forum about different companies and different ways to go. Ended up with Progressive for 2 main reasons. Number One: they were a lot cheaper for better coverage. Number Two: It was extremely easy to deal with them once by phone and set everything else up on-line. Zero snail mail! As an added bonus we had them quote insurance on my F-350 and the DW's new Explorer. They provided us better coverage for about 40% less! We had been with our previous auto insurance company over 20 years with no claims.

[Tom S.]

quote:Originally posted by DQDick

We use Blue Sky. We get full timers coverage and replacement cost. There are a few companies out there that understand the full time lifestyle and you need to make sure what you have is one of those. Built in blanket liability is usual a key since most folks get that from their S&B.

I'm not a full timer, but we're with Blue Sky too. They where half the cost of Good Sam / GMAC / MIC.

[randye]

I had Progressive for five years one accident and they paid off pronto, but would not cover us said we didn't tell them we were full timer and that in a deal breaker they wouln't cover us. I got Good Sam's now.

[PktChg]

Blue Sky will not cover us since they consider of "stationary" in the State of Texas.....bummer.

[steelpony5555]

After USAA jacked up my vehicle insurance I changed back to Geico for everything from S&B to RV to the vehicles.....better insurance and cheaper....Think I will just stay with them now...