Replacement Coverage for 2022 21C (QShip) - Escape Trailer Owners Community
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Old 12-28-2022, 08:22 AM   #1
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Join Date: Apr 2019
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Replacement Coverage for 2022 21C (QShip)

Will pick up QShip (2022 21C) in mid-January. Just arranged insurance with the Hartford with replacement coverage for 4 years, $46000 value. $750 deductible for most other losses except for Personal Property, which is $100. No towing since we have coverage elsewhere.

Think that an annual premium of $717 is reasonable after shopping around. What do you all think? Anyone have experience with the Hartford for a claim?
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Old 12-28-2022, 09:30 AM   #2
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To me that seems a bit high. We have home and auto with AAA and we insured our 5.0, which we pick up on 1/3, for full replacement value and deductibles lower than yours for about $300 annual. I should say that we have been with AAA for 12 years now, not sure if that matters, and they are a PIA to deal with when trying to add vehicles, but their rates are good and they are very attentive when you need to file a claim.
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Old 12-28-2022, 10:39 AM   #3
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Rates are higher in Texas unfortunately
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Old 12-28-2022, 10:57 AM   #4
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Premiums are lower with multiple coverages too, but USAA doesn't offer rv insurance, refers it out
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Old 12-28-2022, 11:56 AM   #5
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Here in Colorado, I am paying $860 annual with Progressive.
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Old 12-28-2022, 04:20 PM   #6
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$495 for $40K full replacement coverage on a 2017 21C with Progressive. It is difficult to compare insurance coverage since it varies by many things, including zip code...
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Old 12-28-2022, 05:27 PM   #7
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Maybe even mostly zipcode
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Old 12-28-2022, 05:36 PM   #8
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Location: Willamette Valley, Oregon
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Oregon - 97385 - our company is Nationwide
2022 21NE + upgrades = $52K

full replacement coverage is $678/yr


$717 for coverage in 78748 (my old zip code) would seem pretty good, I think....
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