insurance on MS

[wingnut60]

It is coming up to renewal time for my trailer, and I am wondering about the companies that some of you use in Texas.

I currently have it with Progressive at $1021/year, but no replacement value and $375 deductible.

My Farmers company (house/auto) did not want to quote on it, for some reason--said they don't want to handle fifth wheels??? but they had my tt previously.

Good Sam (GMAC?) says $1532/$500 ded and $1233/$1000 ded but with replacement value. Based on trailer value of $49000.

Any help you can offer on companies/agents that are good to work with in Texas will be appreciated.

[jdwilson3]

I currently get my NATIONAL INTERSTATE http://www.nationalinterstate.com/ insurance thru EXPLORER RV http://www.explorerrv.com/. We insure our 06 ES, 99 International and our 2000 Chevy Malibu for less than you have been quoted for your MS.

[wingnut60]

John, thanks for the reply. Insurance in Texas is a whole 'nother animal.
We may not have a state income tax, but its tough in other areas.

[Huck]

Check out Foremost.

We pay about $650 per year with replacement.

[Huck]

OOOPS....

Double post.........

[Huck]

tripple post

[Motor31]

We originally had GMAC through camping world. When they jacked up the rate dramatically the second year of RVing we dumped them.

We called a broker, Farm and City Ins Services at 800-331-1520. We are now insured through National Interstate and both the tow vehicle and trailer are covered for about $1300 per year with extra coverage limits. Farm and City also helped me get a great rate with another company for the motorcycle.

[wingnut60]

Huck,
Thanks for the suggestion on Foremost--unfortunately, they are 100% owned by Farmers, and thats where my Farmers agent got a quote at $2192. I had my Sunnybrook TT with Farmers and it was a rider to the TV, but for some reason they are balking at the MS for being a fiver.

Anybody out there REGISTERED and INSURED in Texas? I have until 2/9 to figure this out. I have 2 differing opinions from Farmers--the one I mention above and another who says they can attach a rider to my TV and it will be only about $450, but can't get replacement cost.

I also am about to move from Arlington to Burleson, and that will complicate the paperwork if I attach the trailer to the TV which is discounted by the homeowners' policy I also have with Farmers.

I may end up ditching Farmers altogether, but I also am currently having the TV fixed after being rear-ended in a hit/run incident. Maybe they are tired of dealing with me.

Anyone have house/car/trailer with same company in TX?

[RGordon]

I have mine through Gilbert RV Insurance out of FLorida for $816 annually, based on $120K and descinding deductible of $500. It also had cost replacement. I tried GMAC and they were just to expensive. I had Progressive for five years and they trippled their premiums over the 5 year period, so dropped them.

[sigo'suite]

Joe,
I have mine with State Farm in Burleson. Been with them for years on everything I have. I know my agent well; so for now will stay put.
$282 annual $250 Collision Ded.
$752 annual $100 Ded. Other than Collision
$1034 total annual
No replacement

[Jack in Alaska]

I have ours with AON . $58k value, $1k deductible and full replacement.
for $700/yr.

[cjssr]

You might check with The Hartford as they carried my last 2 5vers and tow vehicles at a very reasonable rate. They are with AARP. I now have Progressive with our latest 2007 SB3 and only went that route because Hartford baulked at insuring our new MDT even though they said they could insure a tow vehicle up to 25000 lbs and mine weighs in at 14100 full of fuel. The progressive policy we have now has replacement coverage the first 5 years and purchase price after that. It was high the first year but has since dropped in half the second year. It is through RV AMERICA. Hope that helps.

[wingnut60]

Thanks, everyone, for the suggestions. I checked around and found an independent agent using MetLife for the home and autos--saving about $800/yr over Farmers--and for a $40k more valued house. But they too did not want to insure a high weight/length/cost fifth wheel, so I kept the Progressive on the trailer.

Texas is an odd state to get insurance--highly politicized, and the state agency only raises people to go to work for the insurance lobby. There is a "state suggested rate" that insurance companies can be under if they want to. Farmers had been consistently raising the value of the replacement cost of my 42-year-old home to $210K. Just sold it for $143K!!!! New home is $180K and I have more insurance with MetLife for less $$$ than Farmers.

But getting the same company to add a big fifth wheel as a rider to the truck policy is something none of them want to do--so have to insure it separately.

I now have everything covered--take the next year to look at other companies, maybe.

Joe