Replacement Coverage for 2022 21C (QShip)

[marant]

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?

[SageRpod]

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.

[Rockhead]

Rates are higher in Texas unfortunately

[marant]

Premiums are lower with multiple coverages too, but USAA doesn't offer rv insurance, refers it out

[Johnspierce]

Here in Colorado, I am paying $860 annual with Progressive.

[Vermilye]

$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...

[marant]

Maybe even mostly zipcode

[Tosh]

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....