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Old 05-15-2020, 10:47 AM   #1
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Insurance in NY - feedback wanted

We had insurance coverage on our 17B through our auto carrier, Nationwide Insurance. Since we are getting our 21 in the next couple of weeks, I am looking for feedback from other owners regarding their insurance and who has the best product. Replacement cost vs actual cash value, premium, etc. I am not looking for the cheapest, but the best value overall. Thanks
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Old 05-15-2020, 12:14 PM   #2
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Originally Posted by tburt View Post
We had insurance coverage on our 17B through our auto carrier, Nationwide Insurance. Since we are getting our 21 in the next couple of weeks, I am looking for feedback from other owners regarding their insurance and who has the best product. Replacement cost vs actual cash value, premium, etc. I am not looking for the cheapest, but the best value overall. Thanks



tom



I ended up using national general threw good sams club. actually you don't need to be a good sams club member.
https://www.goodsamrvinsurance.com/?mc=WW


They will do full replacement for so many years.

I also saved a few hundred on autos by switching.


one other thing they let you put the rv in storage mode and cut the cost of collision in the winter months. of course you would still be covered of a tree landed on it from comp.
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Old 05-15-2020, 01:41 PM   #3
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We did the same thing thru good sams club
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Old 05-15-2020, 02:02 PM   #4
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Yelp Reviews Bad

National General gets 1.5 starts out of 74 reviews; several very recent. I too was intrigued with the whole Guaranteed Replacement coverage and switched from Auto Club for the trailer only- where I've been for over 20 years and very happy. Then it dawned on me to check people's claims experiences and was shocked to see how bad the reviews are covering important aspects of overall satisfaction with a claims experience. Switched back to AAA.
https://www.yelp.com/biz/national-ge...inston-salem-2
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Old 05-23-2020, 09:58 AM   #5
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Originally Posted by Rossue View Post
National General gets 1.5 starts out of 74 reviews; several very recent. I too was intrigued with the whole Guaranteed Replacement coverage and switched from Auto Club for the trailer only- where I've been for over 20 years and very happy. Then it dawned on me to check people's claims experiences and was shocked to see how bad the reviews are covering important aspects of overall satisfaction with a claims experience. Switched back to AAA.
https://www.yelp.com/biz/national-ge...inston-salem-2
As you, I am always concerned about potential claims experience and more importantly what is covered and how it is settled. Cheap premiums aren't always a match for good coverage and/or service. I shopped around to several different companies and compared what I could. Many companies do not offer replacement cost coverage as an option. I ended staying with Nationwide as they offer the replacement/purchase price option and the premium was $312 annually for $39K in coverage.
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Old 05-23-2020, 10:46 AM   #6
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You might want to take a look at AMICA. Our family has used them exclusively for over 60 years. We have probably had about 6 claims settled among us over the years which we found to be most generous. We have our TV and trailer insured with them as well as the road side assistance. For road side assistance we can call them and they arrange towing or we can arrange our own and they will reimburse in full. We informed them that our trailer does not depreciate like stick built trailers so each year they have us tell them the replacement value we want them to insure for.

Might want to check them out.

Ken
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