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Old 03-29-2015, 03:50 AM   #11
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I've check out a few insurance policy's and replacement was good for the first 5 years which is still a good deal.
I found the same thing with another RV. It just hit five years old, so it no longer qualifies for full new replacement. I had to chose an amount of coverage to suit the actual value of the used unit, which is what I will be paid in the case of a loss. The premium drops quite a bit as a result.
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Old 03-29-2015, 04:01 AM   #12
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I think RVs are actually quite low risk for insurance companies, since they spend most of their life parked somewhere.
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Old 03-29-2015, 05:23 PM   #13
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My homeowners ins won't cover the trailer buttttttt will cover the items inside the trailer. 10% of my personal property.
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Old 03-29-2015, 05:26 PM   #14
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I mean 10% of the coverage for my homes' personal property
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Old 04-01-2015, 05:36 PM   #15
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We were given a quote from California Casualty to insure our future 19' trailer:
"Adding the trailer to your auto policy would increase the monthly payment $10. The annual premium would be approximately $115., Coverage would include the comprehensive and collision physical damage coverage's to repair damage to the trailer. The liability extends from the vehicle pulling the trailer."
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Old 02-25-2017, 11:58 AM   #16
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Claims experience

When switching our 21's insurance from AAA to Good Sam(National General) I did so for the guaranteed replacement coverage feature, and after reading the experience that Drumstick63 had when their 2015 5.0TA was flooded.

Yet after being pitched by them to get my other business for home & auto I searched for reviews and they look terrible.
https://www.yelp.com/biz/national-ge...inston-salem-2

Switching back ASAP.
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Old 02-25-2017, 01:47 PM   #17
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Originally Posted by Rossue View Post
When switching our 21's insurance from AAA to Good Sam(National General) I did so for the guaranteed replacement coverage feature, and after reading the experience that Drumstick63 had when their 2015 5.0TA was flooded.

Yet after being pitched by them to get my other business for home & auto I searched for reviews and they look terrible.
https://www.yelp.com/biz/national-ge...inston-salem-2

Switching back ASAP.
Yeah, that was our conclusion re: AAA. Since we have home, cars, umbrella insurance with AAA, we got a good rate, and replacement coverage (They have a file copy of our final build sheet, and, I believe, some downloaded "final build" photos taken by ETI).
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Old 02-25-2017, 02:12 PM   #18
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Interesting. When we called Good Sams a couple weeks back to get a quote, the agent who answered our call said the best quote he could find at the time for what we wanted (full replacement, lots of on-the-road coverage, etc.) would be underwritten by Prudential. Prudential has treated us okay in the past, and the premium was very reasonable, so we went with them. When I called the agent back one time for clarification on an item, he was away from his phone, and the call rolled to a National General representative. When I gave her the policy number, she said that's a Prudential Good Sams policy, so she politely forwarded me to a Prudential representative. Very curious as to how all this sorts out. But everyone seemed in agreement that what we have is a considered a Good Sams policy regardless of who is underwriting it.
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Old 02-25-2017, 03:22 PM   #19
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Good Sam is an agent. They take all your info, including your address and then shop among several companies just like other independent agents. They don't get involved with claims however- those will be handled by adjusters for the ins. co.
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Old 02-25-2017, 03:37 PM   #20
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Question is, are they shopping for the best deal for you, or the best commission for themselves?
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