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01-16-2008, 09:41 AM
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#1
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Site Team
Join Date: Sep 2005
Location: Where we park it
Posts: 2,838
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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.
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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
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01-16-2008, 12:06 PM
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#2
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Senior Member
Join Date: Mar 2006
Location: Austin Arkansas
Posts: 399
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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.
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John & Peggy
1SG US Army Retired
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01-16-2008, 03:16 PM
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#3
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Site Team
Join Date: Sep 2005
Location: Where we park it
Posts: 2,838
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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
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01-16-2008, 08:55 PM
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#4
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Senior Member
Join Date: May 2007
Location: Bouse, Az./Franklin,Pa.
Posts: 252
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Check out Foremost.
We pay about $650 per year with replacement.
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Huck & Dodie
2005 RE3 MS #2163
2006 F-350 CC 4X4
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01-16-2008, 08:56 PM
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#5
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Senior Member
Join Date: May 2007
Location: Bouse, Az./Franklin,Pa.
Posts: 252
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OOOPS....
Double post.........
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Huck & Dodie
2005 RE3 MS #2163
2006 F-350 CC 4X4
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01-16-2008, 08:57 PM
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#6
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Senior Member
Join Date: May 2007
Location: Bouse, Az./Franklin,Pa.
Posts: 252
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tripple post
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Huck & Dodie
2005 RE3 MS #2163
2006 F-350 CC 4X4
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01-17-2008, 09:31 AM
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#7
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Senior Member
Join Date: May 2005
Posts: 2,130
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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.
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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"
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01-18-2008, 08:05 PM
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#8
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Site Team
Join Date: Sep 2005
Location: Where we park it
Posts: 2,838
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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
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01-18-2008, 09:50 PM
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#9
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Senior Member
Join Date: Apr 2007
Location: Atoka, TN & North Ft Myers, FL
Posts: 158
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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.
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Ron & Libby Gordon
2007 F350 Ford Lariat Diesel DRW CC
2007 Mobile Suite 38RL3 #3698
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01-19-2008, 07:04 AM
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#10
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Senior Member
Join Date: Aug 2005
Location: Texas
Posts: 423
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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
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Ron & Connie
Texas Nomads
""Love your country - - Fear your government!!""
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01-26-2008, 06:23 PM
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#11
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Senior Member
Join Date: Jun 2005
Location: Anchorage & Ninilchik, Alaska
Posts: 291
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I have ours with AON . $58k value, $1k deductible and full replacement.
for $700/yr.
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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
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02-24-2008, 06:12 PM
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#12
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Junior Member
Join Date: May 2005
Location: Alvarado, TX
Posts: 23
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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.
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Chuck and Lavada
2007 MS SB3
2007 Freightliner SportChassis RHL-131
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02-25-2008, 09:28 PM
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#13
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Site Team
Join Date: Sep 2005
Location: Where we park it
Posts: 2,838
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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
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