Journey with Confidence RV GPS App RV Trip Planner RV LIFE Campground Reviews RV Maintenance Take a Speed Test Free 7 Day Trial ×
 
 


Reply
 
Thread Tools Search this Thread Display Modes
 
Old 01-16-2008, 09:41 AM   #1
wingnut60
Site Team
 
Join Date: Sep 2005
Location: Where we park it
Posts: 2,838
insurance on MS

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.
__________________

__________________
2016 Tiffin 40 QBH
2015 38RSSA, traded
2005 TK3 #1869, 10 yrs of memories,
2017 F450 KR--one more Ford is it
2009 F450 4x4-died; 2010 F450-retired
wingnut60 is offline   Reply With Quote
Old 01-16-2008, 12:06 PM   #2
jdwilson3
Senior Member
 
Join Date: Mar 2006
Location: Austin Arkansas
Posts: 399
insurance

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.
__________________

__________________
John & Peggy
1SG US Army Retired
jdwilson3 is offline   Reply With Quote
Old 01-16-2008, 03:16 PM   #3
wingnut60
Site Team
 
Join Date: Sep 2005
Location: Where we park it
Posts: 2,838
insurance

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.
__________________
2016 Tiffin 40 QBH
2015 38RSSA, traded
2005 TK3 #1869, 10 yrs of memories,
2017 F450 KR--one more Ford is it
2009 F450 4x4-died; 2010 F450-retired
wingnut60 is offline   Reply With Quote
Old 01-16-2008, 08:55 PM   #4
Huck
Senior Member
 
Join Date: May 2007
Location: Bouse, Az./Franklin,Pa.
Posts: 252
Send a message via ICQ to Huck
Check out Foremost.

We pay about $650 per year with replacement.
__________________
Huck & Dodie
2005 RE3 MS #2163
2006 F-350 CC 4X4
Huck is offline   Reply With Quote
Old 01-16-2008, 08:56 PM   #5
Huck
Senior Member
 
Join Date: May 2007
Location: Bouse, Az./Franklin,Pa.
Posts: 252
Send a message via ICQ to Huck
OOOPS....

Double post.........
__________________
Huck & Dodie
2005 RE3 MS #2163
2006 F-350 CC 4X4
Huck is offline   Reply With Quote
Old 01-16-2008, 08:57 PM   #6
Huck
Senior Member
 
Join Date: May 2007
Location: Bouse, Az./Franklin,Pa.
Posts: 252
Send a message via ICQ to Huck
tripple post
__________________
Huck & Dodie
2005 RE3 MS #2163
2006 F-350 CC 4X4
Huck is offline   Reply With Quote
Old 01-17-2008, 09:31 AM   #7
Motor31
Senior Member
 
Join Date: May 2005
Posts: 2,130
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.
__________________
Mike Nancy and the fuzzies
Fulltiming since June 2004
Volvo 660 MH tow vehicle
2005 MS 38RL
2007 Saturn Ion "toad"
2010 Gold Wing "piggyback"
Motor31 is offline   Reply With Quote
Old 01-18-2008, 08:05 PM   #8
wingnut60
Site Team
 
Join Date: Sep 2005
Location: Where we park it
Posts: 2,838
insurance

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?
__________________
2016 Tiffin 40 QBH
2015 38RSSA, traded
2005 TK3 #1869, 10 yrs of memories,
2017 F450 KR--one more Ford is it
2009 F450 4x4-died; 2010 F450-retired
wingnut60 is offline   Reply With Quote
Old 01-18-2008, 09:50 PM   #9
RGordon
Senior Member
 
Join Date: Apr 2007
Location: Atoka, TN & North Ft Myers, FL
Posts: 158
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.
__________________
Ron & Libby Gordon
2007 F350 Ford Lariat Diesel DRW CC
2007 Mobile Suite 38RL3 #3698
RGordon is offline   Reply With Quote
Old 01-19-2008, 07:04 AM   #10
sigo'suite
Senior Member
 
Join Date: Aug 2005
Location: Texas
Posts: 423
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
__________________
Ron & Connie
Texas Nomads
""Love your country - - Fear your government!!""
sigo'suite is offline   Reply With Quote
Old 01-26-2008, 06:23 PM   #11
Jack in Alaska
Senior Member
 
Join Date: Jun 2005
Location: Anchorage & Ninilchik, Alaska
Posts: 291
I have ours with AON . $58k value, $1k deductible and full replacement.
for $700/yr.
__________________
2012 Jayco 40FER Bungalow TT
2004.5 Dodge 3500 DRW 4x4 Quadcab CTD 325/600 6 spd 3.73 HiJacker Hitch;Access bed cover; Prodigy; PacBrake; DZ boards;air horns;Westach combo gauge;Sirius;Smarty Jr, Lite Force road lites
Yamaha iSEB 3000 genset

Start Out Each Day Real Easy.......Then Taper Off
Jack in Alaska is offline   Reply With Quote
Old 02-24-2008, 06:12 PM   #12
cjssr
Junior Member
 
Join Date: May 2005
Location: Alvarado, TX
Posts: 23
MS INSURANCE

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.
__________________
Chuck and Lavada
2007 MS SB3
2007 Freightliner SportChassis RHL-131
cjssr is offline   Reply With Quote
Old 02-25-2008, 09:28 PM   #13
wingnut60
Site Team
 
Join Date: Sep 2005
Location: Where we park it
Posts: 2,838
insurance

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
__________________

__________________
2016 Tiffin 40 QBH
2015 38RSSA, traded
2005 TK3 #1869, 10 yrs of memories,
2017 F450 KR--one more Ford is it
2009 F450 4x4-died; 2010 F450-retired
wingnut60 is offline   Reply With Quote
Reply

Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump

» Featured Campgrounds

Reviews provided by

Powered by vBadvanced CMPS v3.2.3

All times are GMT -5. The time now is 03:59 AM.


Powered by vBulletin® Version 3.8.8 Beta 4
Copyright ©2000 - 2024, vBulletin Solutions, Inc.
×