Wednesday, January 19, 2011

HELP! We Need Fulltimers Insurance!

We are stumped on what insuance company we need to go with. We need FULLTIME RV Insurance.

Seems it is not all that common. Who do you use? Have you had any claims? Are you happy with your current insurance company?

Thanks for your help

Travel Safe Dawn and Denise

14 comments:

  1. We use progressive, who does have a full timer policy. We have had good luck with them on the one claim we had. It was a dandy, as we were hit by a drunk driver with quite a bit of damage. They really could not have been more helpful and straight forward.

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  2. We are insured with GMAC, associated with Good Sam and we are very satisfied. We only had one claim, for our awning during a wind storm which was no problem and they worked well with us.

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  3. We went through Miller Insurance. Same group that Howard and Linda use. They understand full timers and their needs. I think there are a couple other agencies that people use too. They are independent so go out and find what fits you best.

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  4. I use GMAC fulltimer's insurance and have been very happy with their handling of the one claim I've had so far. :)

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  5. We have insurance through Miller Insurance. http://www.millerrvinsurance.com/

    Cheryl worked with us to be sure we got the coverage we wanted as well as needed. Nick Russell, Gypsy Journal, always has them at his rallies and recommended them to us.

    We ended up with coverage through Victoria for everything except our motorcycles, we stayed with Progressive for them.

    No claims...hope we never will. LOL!

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  6. Hi Dawn & Denise,
    I do not have a direct answer to this but I suggest you to post this question on Escapee Rv Club forum http://www.rvnetwork.com/index.php? these are mostly full-timers that would be happy to assist you.
    Good luck.

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  7. We don't have fulltimers insurance (yet) but we use Gilbert Insurance agency in Orlando, Fl. We haven't had a claim though...knock on wood.

    They specialize in rv insurance and are quite knowledgeable about the rv lifestyle. They even have a booth at the Tampa Rv show each year. They insure states other than Florida. They write with different companies and we are with Assurant. We have a set amount of coverage in the event of a total loss..even though our mh is 9 years old...we like that. No depreciation if it's totaled. Why don't you call them and get a quote and get some info. They are very helpful and know about rv'ers. I had a nice discussion with them a few months ago and increased our personal property coverage and discussed FT insurance. 1-888-784-6787 I used to work in the insurance business (claim adjuster and agent) but never worked for them...a disclaimer.

    Good luck. Remember, price isn't everything...get a company with a good rating and high enough limits to include your personal property. I also recommend a stated value policy since rv's depreciate so quickly. You don't want to have a claim and only get 1/4 of what it would cost you to replace it.

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  8. I WISH we were looking for full-timer's insurance!!!

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  9. We found this agent through Nick (Gypsy Journal). She is very professional and really understands what a full time person needs for insurance. Her name is Gina and she is with Epic Insurance in Sioux Falls, SD. She can write insurance for any state. Her number is 605-271-8100.

    It is very important to find an agent who can help you if you have a claim. She came to the rescus for Nick about a year ago when his agent was not being very helpful. Read his journal postings concerning a robbery about a year ago.

    Take care and happy trails, Carol

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  10. We've had insurance with National Interstate since we got the 5er. This year we needed to change it to fulltime insurance. On the recommendation of some other FTers, we called Gina at Epic Insurance recommended above. Unfortunately she couldn't help us since she isn't licensed for Texas, but was still very helpful. Told us all the things we needed to check out and question to be sure we had adequate coverage. Then we called National Interstate directly and made the changes to our policy. We've had 1 claim with them. Replaced the awning and the roof. No problems at all.

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  11. We use Progressive, and have for 4 years. Had to use it twice and both times they were Johnny on the spot. No arguments of any kind and paid for everything. We love them and probably will never change.

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  12. We use GMAC with Good Sams and are very happy with it... Have had sereral claims over the years and no problems. Good luck on your hunt!
    Travel Safe & Have fun
    Donna

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  13. Like a few others have suggested, we have ours through Miller Insurance. The policy is actually through Victoria, which is the RV specialty branch of Nationwide. Miller was great to work with when setting everything up. They are very familiar with fulltimers and were able to explain all of the options. Having just dealt with a claim through Victoria/Nationwide, I can say that I am EXTREMELY pleased with them. They were very easy to work with and very, very timely in processing our claim. I would highly recommend both companies. Good luck and if you want any additional details, feel free to email me.

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  14. We are full-timers and South Dakota 'residents'. We use an agent in Sioux Falls and our insurance is with Allied which is a part of Nationwide. We pay around $1200 for full coverage on a 2007 40' motor home. Only claim was for a windshield chip - handled perfectly.

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