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Old 08-03-2022, 02:24 PM   #1
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Brand: Thor Motor Coach
Model: Windsport 35M
State: Kentucky
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Question RV Insurance

We have just purchased our Thor Windsport and are looking for recommendations for Insurance companies. Also want to find out about Extended Service Plans and Roadside Assistance
Thank you

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Old 08-03-2022, 02:27 PM   #2
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Originally Posted by RWCaines View Post
We have just purchased our Thor Windsport and are looking for recommendations for Insurance companies. Also want to find out about Extended Service Plans and Roadside Assistance
Thank you

Welcome to the forum

Use the search feature. There are already a bunch of threads discussing both topics.
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Old 08-03-2022, 02:29 PM   #3
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You're credit score will play a huge part for rates

If you have excellent credit Geico has one of the best rates
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Old 08-03-2022, 02:38 PM   #4
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We use Progressive for MH and Geico for boat and cars. Most of them offer roadside assistance with limitations. Best medicine here is do the search feature for "insurance", make a list of your requirements and call every company addressing the specific coverage of their policy you are interested in. Otherwise, this thread will end up 17 pages long with a couple old cronies arguing about which griddle dries tennis shoes the best. Insurance options are one of the biggest topics that get posted here and you'll read them all with the search. Congratulations on the life changing purchase...you'll love it!!
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Old 08-03-2022, 03:18 PM   #5
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I just purchased a motorhome also. I used my automobile insurance company, State Farm. I also used their Emergency Road Service, it covers everything that others do and it is only $12/year. In addition the Ford E350 Super Duty Chassis came with 5 year, 60,000 mile emergency road service. I could purchase a AAA RV add on for $41/year.

After researching extended warranty options, I found that almost all of the extended warranties offered had big complaints when people tried to submit a claim. So I will use the money saved to fix the problem myself. The most expensive repairs are to the Ford Chassis itself (engine, transmission, electronics, etc.) so if I may decide to purchase the Ford Extended Warranty to make it a 6 year, 72,000 mile bumper to bumper warranty (up from the factory 3 year, 36,0000 mile bumper to bumper) for about $3,000. I think that I can fix any RV system problem myself. Probably the most expensive thing is the generator in RV systems.
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Old 08-03-2022, 03:42 PM   #6
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Originally Posted by PreCambrian View Post
I just purchased a motorhome also. I used my automobile insurance company, State Farm. I also used their Emergency Road Service, it covers everything that others do and it is only $12/year. In addition the Ford E350 Super Duty Chassis came with 5 year, 60,000 mile emergency road service. I could purchase a AAA RV add on for $41/year.

After researching extended warranty options, I found that almost all of the extended warranties offered had big complaints when people tried to submit a claim. So I will use the money saved to fix the problem myself. The most expensive repairs are to the Ford Chassis itself (engine, transmission, electronics, etc.) so if I may decide to purchase the Ford Extended Warranty to make it a 6 year, 72,000 mile bumper to bumper warranty (up from the factory 3 year, 36,0000 mile bumper to bumper) for about $3,000. I think that I can fix any RV system problem myself. Probably the most expensive thing is the generator in RV systems.
AAA rv does not have service in all parts of the country. Read your contract and do some research.
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Old 08-03-2022, 05:14 PM   #7
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Originally Posted by RWCaines View Post
We have just purchased our Thor Windsport and are looking for recommendations for Insurance companies. Also want to find out about Extended Service Plans and Roadside Assistance
Thank you
How about coming back and giving us an update after you pick your carrier and a few specifics as to why?

Thanks in advance
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Old 08-03-2022, 05:40 PM   #8
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Thank you, I actually have my home and vehicles with State Farm and have requested a quote from them, just not sure if they are well suited to provide RV insurance
Thanks
Ron
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Old 08-03-2022, 05:52 PM   #9
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Originally Posted by RWCaines View Post
Thank you, I actually have my home and vehicles with State Farm and have requested a quote from them, just not sure if they are well suited to provide RV insurance
Thanks
Ron
We have State farm for house and vehicles. Their quote to add the MH was extremely high. We went with Good Sam's National General and even moved the primary TOAD vehicle to them (Single deductible in case of an accident involving both).

We have switched back and forth between Good Sam and FMCA Roadside Assistance. Never had to use either one (yet).
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Old 08-03-2022, 05:55 PM   #10
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I used to have the Tuscany insured with Farm Bureau as I could state the value. The price difference between Geico got to be well over a thousand dollars for the exact same coverage other than replacement cost. Most are going to use market-based replacement values.

Watch as some RV insurance policies may have riders on windshield glass. Usually this only affects the big one-piece windshields coaches.
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Old 08-03-2022, 05:55 PM   #11
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Quote:
Originally Posted by PreCambrian View Post
I just purchased a motorhome also. I used my automobile insurance company, State Farm. I also used their Emergency Road Service, it covers everything that others do and it is only $12/year. In addition the Ford E350 Super Duty Chassis came with 5 year, 60,000 mile emergency road service. I could purchase a AAA RV add on for $41/year.

After researching extended warranty options, I found that almost all of the extended warranties offered had big complaints when people tried to submit a claim. So I will use the money saved to fix the problem myself. The most expensive repairs are to the Ford Chassis itself (engine, transmission, electronics, etc.) so if I may decide to purchase the Ford Extended Warranty to make it a 6 year, 72,000 mile bumper to bumper warranty (up from the factory 3 year, 36,0000 mile bumper to bumper) for about $3,000. I think that I can fix any RV system problem myself. Probably the most expensive thing is the generator in RV systems.

The biggest issue anyone will have is actually getting your MH towed to an authorized shop close-by and in a timely manner during an emergency road-side situation. Regardless of what they all cover, allowed towing distances is limited and commercial Ford dealers are few and very spread out...normal Ford car and light truck dealers will not take them in. Lastly, someone has to get out of bed in the middle of the night and come get you. They all depend on 3rd party, independent roadside service providers.
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