Yahoo Message Number: 19216 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/19216)
My renewal just came in. We are with Explorer RV. They seem fine but we have not had a claim. I was thinking about changing to AON (RV Alliance) since they do so much at the FMCA rally. They really seem to support the RV community. Does anybody have any experience with them? I think I can transfer my policy but don't know how to do that. Any idea?
Thanks.
Linda
98 Intrigue 10678
Yahoo Message Number: 19223 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/19223)
I don't have any experience with either company you mention but am an Independent Agency owner in Texas . Policies are not transferable between companies. It never hurts to shop - you will need to contact the company(s) that you are interested in, give them your "vitals" (name, DOB, DL# , SS# , address & coach info) and tell them what level of coverage you now have (current policy declarations page) and ask for a quote and payment options. If you decide to move mid term, any pre paid premium on your present policy should be prorated and refunded in full as "unearned premium". Any Agent or company worth going with should break their neck to accommodate you. Good luck!
Oh, the only company I ever got a "deal" from was Hartford a few years ago but you are required to have your home & auto w/them to qualify. They went nuts on rate increases on auto so I moved everything. Don't know how they might be in your State (you're in Missouri , right) or if they still offer sweetheart deals on RV ins.
Hope this helps.
Bojangles5169
'98 Intrigue 10616
Yahoo Message Number: 19240 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/19240)
We've been with AON for 4 years. They have been good to work with.
Sometimes it takes a while to get them on the phone since they are pretty busy. A couple of times we had to call more than once to get the policy stuff straight but they have fixed things quickly. They first put our policy with Sun Alliance but when they stopped writing RV insurance they placed us with National Interstate for the RV and Progressive for the toad. Once we get back to decent cell coverage we'll call about moving the toad to National Interstate since they now cover toads and are offering multiple vehicle discount. If it is cheaper we'll switch. We've only had one claim and that was for a windshield chip. We called they claim number and got instant response.
Bob
'05 Intrigue Ovation #11872
Yahoo Message Number: 19241 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/19241)
Just call for a quote, but we have Explorer too, had switched to them because they were significantly cheaper for same coverage from AON, but it's "state dependent" as well as each year is different, so just call RV Alliance to get the number to call and ask for a quote...can probably even do it online. Just make sure you compare the same coverage..declining deductible, 5 year replacement guarantee, etc.
Jan McN
2001 Intrigue 11320
Yahoo Message Number: 19251 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/19251)
I have National Insurance through Aon and they have taken good care of me. The least expensive by more than half of all tthe companies that I've checked.
Carol
04 Inspire 51046
Yahoo Message Number: 50165 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/50165)
Been reading all the posts about RV insurance. Ours was up for renewal, I checked around, including USAA where I have been a member since 1959 and found AARP Hartford to have the best coverage at the best price. I have had the RV insured by GMAC and 3 other vehicles insured by USAA. Have been paying 1492.00 for RV, AARP cost is 991.00. Finally insured home, 3 cars and RV. Saved about 2600.00 annually. Check them out! Or maybe you guys are not old enough to be members of AARP!!
Janie
2002 Intrigue 11342
Yahoo Message Number: 50213 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/50213)
Yes, some of us are really that old. We support the many good things that AARP stands for on our behalf, but...
The only insurance or any other product we used that was associated with AARP disappeared one day when they sent notice that they weren't going to have it anymore. It was a dental insurance program that we really liked and then it was no more....
s/Terry Apple
Yahoo Message Number: 51677 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/51677)
It's insurance renewal time and I'm thinking of switching from Progressive to Geico. Geico is $260/year cheaper than Progressive. The maximum liability coverage they offer is slightly less than Progressive, but the difference, if ever needed, will be covered by my umbrella policy. What I would like to know is, what experiences have the members of this august group had in dealings with Geico? They are sure nice when they want my business, but how are they when it comes to paying claims?
Jim Biestek
2004 40ft. Intrigue 11783
Yahoo Message Number: 51678 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/51678)
We have had our auto with geico for several years and have had one claim with no hassles.. They do not insure MH in NC over 100K., so had to go with Allied, from Farm and City in Iowa..good rate there...
Marvin, 07 Allure, 470, #31459
Yahoo Message Number: 51680 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/51680)
I have been very happy with State Farm Ins. They seem to have the best service and rates. You might want to check them out.
Vic 03 Magna 6253
Yahoo Message Number: 51685 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/51685)
Jim,
Be sure that your underlying insurance meets the minimum that your umbrella requires, or you could have a large "gap", which you don't want. For example, if you have a single limit policy with say $300k and your umbrella starts at $500k, you will have a 200k "gap". This can easily happen, especially if you have one company carrying the underlying policy and another company carrying the umbrella. Check you umbrella. Just a suggestion.
R. D. Vanderslice
06 Allure 470 31294
Yahoo Message Number: 51687 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/51687)
One thing to think about before you switch: I get mine through Gilbert. I asked them about switching companies (they use more than one) and they pointed out that while I could, I have purchase price replacement cost noq and that any new insurance would be based more on NADA current market value. Never compared these, but I assume blue book values have gone way down since I purchased mine over two years ago.
Rich 2002 Magna
Yahoo Message Number: 51688 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/51688)
We also use Gilbert Insurance Agency in Orlando, Fl. Excellent service and advice on the type of insurance needed for your RV situation. We are fulltimers.
Escapees RV Park, Chimacum, Wa
Chuck & Mary B
Shelby Dog, Miss Kitty, Mr Lucky Cat
SOB
Yahoo Message Number: 51707 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/51707)
Interesting, I have never been able to find an insurance company that would add/extend full replacement (purchase price per sales contract) beyond the first 5 years of the life of the coach. Even then if must be added when you purchase the coach and is non-transferable.
After that comes replacement cost where you pick a value but the insurance company will only pay the going market price (possibly NADA) or the value you provided if the going price is above that. It make little sense to set the price much above the market value as you will likely not get any return for having done so in a total loss.
Even when eligible full market replacement cost is expensive. When I had about 10 months left in the 5 year window on my coach I decided to drop the options because I only had 10 months of exposure. Doing so cut my renewal bill by more than 1/2. The full replacement as a line item on the price sheet does not appear to be all that much but be aware that there are some imbedded coverage's that also go away with dropping it and that is where the big price differential comes from.
On the subject of insurance I have often wondered how people that spend a lot of money renovating older coaches protect their investment from an insurance stand point. Most insurances companies will see a 1998 coach as just that regardless of upgrades.
Is there a way to get around that?
Don Seager
2004 Allure 31046
Yahoo Message Number: 51708 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/51708)
Hi Don,
When we purchased our coach new, we had the "full replacement value" for the first 5 years. Then after the 5th year the "actual price paid" for the coach as long as we stay with the same company. Our rates for the same coverage that GMAC quoted was 25% cheaper per year with a 1 year renewable instead of 6 months with GMAC. We, as most folks who financed their coach, are upside down. That is where the actual price paid comes into play if we suffer a full loss. We also have the diminishing deductible clause which is reduced 20% each year, with no deductable after 5 years if we do not file a claim. At the end of the second year, the insurance company that Gilbert had us with got out of the RV insurance business. Gilbert was able to find a company that would take over their customers with the actual price paid clause and not starting over with the deminishing 5 year deductable. Folks who change insurance companies every so many years loose those clauses.
Escapees RV Park, Chimacum, Wa
Chuck & Mary B
Shelby Dog, Miss Kitty, Mr Lucky Cat
SOB
Yahoo Message Number: 51711 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/51711)
Hi Chuck,
What is the difference between 'full replacement value' and 'actual price paid'?
Don Seager
2004 Allure 31046
Yahoo Message Number: 51713 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/51713)
Hi Don,
If the list price for a coach in 2004 is $300,000, and in 2007, the same make, model, and similiar optioned coach is $350,000, the insurance will replace the coach. That is the full replacement value. After the 5 years is up, the insurance company will pay the final figure that is on the sales contract. The actual price paid. At least that is the way I understand. The actual wording could be a little different. If one has a full loss after 6 years, if the NADA book value is $150,000 and you owe $200,000, you would have to make up the difference to the finance company if you did not have the actual price paid clause. Our $295,000 coach in 2004 is now worth around $80,000 wholesale according to the NADA wholesale book.
Escapees RV Park, Chimacum, Wa
Chuck & Mary B
Shelby Dog, Miss Kitty, Mr Lucky Cat
SOB
Yahoo Message Number: 51714 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/51714)
Don,
there are appraisers that can app the value of almost anything, classic cars to jewlery, usually a company will insure by that value, I had that option from my ins co...
Marvin, 07 Allure #31459
Yahoo Message Number: 51717 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/51717)
I received a letter from Good Sam's on their insurance everything sounded good. Does anyone have experience with Good Sam's Insurance?
Yahoo Message Number: 51721 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/51721)
Chuck,
My conversations with my agent comes up with an understanding that is quite different. I think if you adjust your value of a 2004 coach costing $300k from $350k to more like $550k in 2007 you will see the point.
Full replacement value is not based on list value, it is based on the contract price that you signed when you bought the coach. If you opted for full replacement value then the insurance company will for the first 5 years in a total loss write you a check for exactly the contract value that was on your contract when you bought the coach. That is of course before any trade in.
What full replacement value means is that the company will not depreciate the coach from the original agreed price taken from the sales contract. To expect an insurance company to pay for depreciation and the inflated cost of a like for like replacement is not going to happen unless the premium is astronomical. They will simply write you a check for the agreed amount and what you do with it is up to you and of course your bank if you still owe on it.
In the years beyond 5 there is replacement value, not full replacement value. Here you provide the insurance company with a value that you think the coach is worth. They will price the premium on that value. However, in the case of a total loss they will pay either that value or the market value of the coach whichever is the lowest. Often that is the NADA value but if one is not available the adjuster will investigate going values. Any company that will take on your coach will offer replacement value coverage. No need to have been with them from day one.
That is the way my policy works and I have been with National Interstate since day one and my agent is Lazydays.
Don Seager'
2004 Allure 31046
Yahoo Message Number: 51723 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/51723)
Hi Don,
I can understand you thinking on the first 5 years. We are past the first 5 years on our coach. I asked the question several time about the total loss figure after the first 5 years. Each time I was told that the insurance policy would pay the amount on the sales contract as long as I continue to insure with them. I had to send them a copy of our sales contract to verify the amount. If we have a total loss, we will get a check for that figure to settle our lending institution's debt. I will revisit that with Gilbert tomorrow.
Escapees RV Park, Chimacum, Wa
Chuck & Mary B
Shelby Dog, Miss Kitty, Mr Lucky Cat
SOB
Yahoo Message Number: 51724 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/51724)
Hi Chuck
This was not my thinking, it was as stated by my agent.
I am still confused about your point. Are you saying that your company will pay the original sale price in the event of a total loss for as long as you remain with the company. Ten, fifteen years and beyond. It just doesn't seem realistic to me. I'll be interested in what your company has to say.
Don Seager
2004 Allure 31046
Yahoo Message Number: 51736 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/51736)
Hi Don,
I called my insurance agent Gilbert today. During the first 5 years the replacement is of "like and quality". After that, we have the "purchase price guarantee" which is on the sales contract. We have that as long as we own the coach and keep the insurance policy current. The additional premium is $140.00 a year extra for that coverage. I was not sure of the correct wording of the terms until now.
Escapees RV Park, Chimacum, Wa
Chuck & Mary B
Shelby Dog, Miss Kitty, Mr Lucky Cat
2004 Monaco Windsor
Yahoo Message Number: 51767 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/51767)
We also have "Total Loss Replacement/Purchase Price Coverage" from Progressive in San Diego. After all this talk I went on line to read our newest contract with them in regards to what they will pay for a total loss. What it says is that: When the covered vehicle is, at the time of Loss, the current model year, or the first through fourth preceding model year, the applicable limit of liabilitywill be: (1) if you choose to replace the covered vehicle, the cost, as determined by us, of a new vehicle that: (a) has not previously had a titleissued or recorded to any person or entity, other than a dealer or manufacturer; and (b) is, to the extent possible, the same make, class, size, and type, and which contains reasonably similar equipment to the covered vehicle; or (ii) if you choose not to replace the covered vehicle, the purchase price; or (b) when the covered vehicle is, at the time of loss, the fifth preceding model year or older, the applicable limit of liability will be the purchase price.
Barbara Holmes
2004 Intrigue #11704
Yahoo Message Number: 60013 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/60013)
Any ideas on RV Insurance? We have been with Progressive for eight years and over the last two years they have raised our premuim $1,273.00. Progressive says that across the board they have raised all California.
I have checked with State Farm and Good Sam both give a much better price but do not have Total Loss Replacement/Purchase Price. They will both only give fair market value. I don't trust them to give me all of what I may owe if Total Loss should happen.
Fernanda Bender
04' Intrigue #11701
Yahoo Message Number: 60021 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/60021)
We're also in California, just finished checking into insurance for our new to us Allure. 5-6 quotes, with the lowest (@$650) being with our current car inusrance company Wawanesa. The catch, no 'agreed to' replacement cost value. No extra rider for glass - so a no go. I went back and forth between Explorer and "Farm and something?" insuance. Both were real close in the same $1200 plus range. I was not comfortable with the way the agent explained what "Farm..." considered OEM covered items within the rig. (Replacement old TV to new LCD TV - would not be covered. Upgraded stereo system, in OEM location - would not be covered, roof mounted auto tracking satelite - would not be covered, etc.) Where as Explorer was very clear that if it was OEM, or insalled by dealer when purchased, or was replacement of existing equipment - it was covered. I do wonder if the "Farm" insurance person I was talking with was accurate in her assessment, but the prices for 'like' coverage, was very close, so I went with Explorer.
One other thing that I determined, was when we do start permanent part timing with either South Dakota or Texas (have not decided yet) as our 'home state' - everyone I asked said to expect lower rates, one said substantially lower... (No firm quotes yet, as we are a year or so away - but good to hear!).
Best of luck - I don't recall them all, but I also checked State Farm, Gilberts, AARP Hartford, GMAC, CCI's (don't recall the company name), and a few other companies....
Smitty
04 Allure 31017
Yahoo Message Number: 60022 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/60022)
We had Progressive also with annual rate increases. We use Lazydays RV in Tampa, FL as our agent, the agent (Brenda) got us a quote from National Interstate. Great coverage, lower price. Found good reports about them on rv.net Lonny & Diane Livingston
Tampa, FL
2004 Allure 33'
#31065
Yahoo Message Number: 60025 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/60025)
Dear Fernanda:
Rob Brown here. I am a retired State Farm Agent so you may want to consider that when reading this post.
The simple answer is that you are absolutely correct. State Farm does not have replacement cost coverage or stated value coverage for motorhomes. If you are upside down on the value of your coach versus the loan, you will not be able to recover that amount in a total loss. You are paying for that with your Progressive Policy. It is really a nice option to have but as Progressive is learning, as the coach ages and the value goes down, it doesn't take many total losses to affect the the cost of insurance. They also have the problem of how to replace a coach that is no longer manufactured. In the old days, they could either pay for a new comparable coach purchased at discount from a friendly dealer or write a check for that amount to the owner. Now they have to pay the amount listed on the policy as the replacement value, if you replace the coach (usually within 6 months of the loss and with a coach that costs the same or more). If you don't replace the coach, you get the same amount that State Farm would have paid, market value. So, if you are upside down, you are forced to replace the coach in order to get the replacement value and pay off your loan. The other thing you can do is find an insurance company that has "GAP" insurance. That is a secondary policy or endorsement that covers the "GAP" between the loan amount and the market value of the coach. I don't know if Progressive offers that or not. State Farm did not 4 years ago when I retired. Your lender may have some suggestions. After 44 years of State Farm experience, I am totally biased towards the way they handle things. Having said that, I also like USAA, Progressive and Farmers but not specifically for motorhome coverages. Most large insurance organizations are that way (Large) because they have treated their customers fairly. Also, as you may have read in prior posts, there is no magic about which company is best. CCI offers some advantages by trying to do some discounts due to group association and similar needs. You should probably check them out too. I will stay with State Farm and my State Farm Agent because I think the premiums fair and the settlements are too. One old agent's thought here. Please check out the liability limits and make sure you carry an Umbrella (the insurance kind) with the same company. You have way more exposure from a law suit than any GAP situation. Good Luck and Travel Safe,
Rob 07 Allure 31557 Wet
PS. In light of the recent discussions please note: This is not a commercial post! Also, I have not read your policy, so while the advice is free, it may be worth every penny.
Yahoo Message Number: 60031 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/60031)
Well said Rob, I'm also a retired State Farm Agent and have tried many times on this forum to educate people that you cannot compare rates with anyone unless everything is exactly the same. Same age, living in the same state, city, county, credit ratings, deductibles, liability limits, driving records, exact same coach, and on and on and on. There are just too many variables. I gave up on giving my two cents worth a long time ago. But, it is fun to listen to discourse, right or wrong. There are some strange ideas out there.
R. D. Vanderslice
Rockwall, Texas
06 Allure 470 31294
Yahoo Message Number: 60033 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/60033)
Really good information, guys, I appreciate it. I went from Progressive to State Farm, due to a location change, and it was much less expensive. I thought I was getting an apples-to-apples comparison, but if my stated value is not covered now, that could be a major reason for the difference. I will drag the whole file down to my agent and have another look at it. Gap insurance may be a viable option, I just needed to be aware of it.
Thanks again.
Jack Nichols, 2003 Intrigue 11527
Yahoo Message Number: 60084 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/60084)
No disrespect intended toward the "captive agent" who gave some very good advice. I too am an insurance agent - I own an Independent Agency and write for many companies and can compare coverages and rates. I write personal lines only, no commercial policies. Keep in mind that when you buy RV insurance from a company primarily in the auto/home market you will get a policy for a BIG auto. I am on my 4th class A and 2nd CC and searched all of my markets and still could not compete with GMAC sold through Good Sam or Campers World. I too don't remember if they offer gap coverage but they are unique to my knowledge in that when your coach is parked or stored for an extended period of time or just a few days - call them and your coverage and rate is dropped to comp only for that period of time. When you get ready to hit the road, call them and you go back to the full amount of coverage you bought - A GREAT MONEY SAVER for those of us who are not full timers. Congratulations to the State Farm agent on his retirement - if only I had gotten in the business 20 years earlier I might be able to but at 67 I like my life style and luxuries so I let my CSR run the agency when I hit the road, take my laptop and cell phone and just go! On the above, I write for a watercraft company that has what they call a lay up provision but till I called GMAC I had no idea that there was a company that handled RVs that way. Good luck on whichever you decide.
bojangles5169
'97 Cherry Intrigue #10414
Yahoo Message Number: 60086 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/60086)
I can't say enough good about National Interstate. In my book they are above the rest. some day if you see me at a rally ask me just how good they are. bob '02 magna 6028
Yahoo Message Number: 94364 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/94364)
We currently have a home and have home owners insurance which covers it. Also, we have a RV and found out that the contents are not covered. Driving down the road is covered however, we park at a RV Park and someone breaks in, we are not covered. We are getting ready to become full-timers and are renting the house and think its time to evaluate the insurance. Recently we had to have a windshield replaced and could not believe the grief over $300. We have been with this insurance company for over 30 years and it seems loyalty does not mean anything. So, we are looking for RV coverage including the contents, welcome your suggestions. Thanks in Advance
Wally & Elta Mae
2007Allure 470 #31535
Yahoo Message Number: 94365 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/94365)
Check Allied thru Good Sam. Best price & coverage for me.
Kent 05 Allure, 31281
Yahoo Message Number: 94366 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/94366)
We have National Interstate Insurance purchased thru LazyDays Insurance in Tampa. They specialize in full timers and will also insure the toad. They include Coach Net roadside assistance in their policy. One claim, cracked windshield was handled efficiently and quickly.
Lonny & Diane Livingston
'04 Allure #31065
Yahoo Message Number: 94376 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/94376)
Yep we have Allied also... used to have progressive, but saw an ad from Good Sam and decided to check with them and they got us a policy thru Allied at half the price. We have had no occasion to file a claim under the policy, I am happy to report, but Allied has a good rep Joseph Burkle
2008 Country Coach Inspire 360 Founders Edition 43' quad slide tag axle 425 HP C9 pusher http://www. Wind-seeker.com/ (http://www. Wind-seeker.com/)
Yahoo Message Number: 94522 (http://groups.yahoo.com/neo/groups/Country-Coach-Owners/conversations/messages/94522)
Thanks to all that replied.
Went to the Good Sam website and called the toll free number. This took me to National General Insurance. I signed up with them for my RV and Sonic tow car, was very interested in the coverage they provided. We will see how it goes. Its unfortunate that a company who I have been with for over 30 years could not provide the coverage I needed. I am still upset (really miffed) that they have outsourced their windshield claims to a company that does not know the meaning of customer service or loyalty over $300. I would highly recommend Victor of Arizona Windshields, in Tucson AZ.
Wally & Elta Mae
2007Allure 470 #31535.