Insurance

[KR2011-REDW]

I called my current insurance carrier to get a quote to insure our new Redwood, we were talking and decided we did not need to change any coverage and I waited for a premium quote, she came back on line and gave me a quote of $3600 every 6 months! One of my employees had to call 911 as I had a heart attack ( not really but you get my point). My question to all of you is do you have any suggestions on insurance carriers? I wish I could put all my insurance in place but I have not one company that can handle all my needs and be reasonably priced.

 

[M&K1]

I would check around we got insurance for around $700.00 a year with $1000.00 deductable. But we have all insurance under one company. (Auto owners) Also heard that Good Sam Club has some good rates.

 

[Flyfisher-REDW]

We went with Blue Sky.through American Adventure Insurance, 888-930-3680.They were recommended by our dealer. We payt $524.00 a year with $500 deductible, if the 36re is totaled within 5 years they will replace it with a new 36re or one of similar price and quality rather than cash value at the time of the loss. We also got the 24 hour emergency road service rider . If you didn't want that the premium drops to $495 a year. You might check Good Sam Club also. I've heard their rates are very competitive.

Happy trails

 

[KR2011-REDW]

Believe it or not I have good sam now they are the ones who gave me the 3600 dallor quote.

 

[lillyputz]

Good sam quoted me 712.00. American quoted me 520.00. for the 36RE fully loaded.

Lillyputz

 

[BradPAjax-REDW]

Hi All,

We live in Ontario Canada and have govt "no fault"... way more expense than most US plans. I have car and home insurance with one company. Because of the value of our 38 BR we plan to buy, they would put the trailer under our home insurance with a $250 deductible and full replacement value for 10 years. The cost is $900 per year. There is no additional cost for number of miles towed when done this way.

Good Luck!

 

[hoosierguy]

I have always had Indiana Farm Bureau Insurance on my car and truck. So, I insured our Redwood 36 RL with them also. But, I do only have actual cash value for both comprehensive and collision with $500. deductible on both. This coverage is currently costing me $359. per year.

I am thinking of finding a new insurance carrier, for the Redwood only, that I could get coverage for replacement value and coverage for contents.

When I have seen this topic discussed on other forums, it seems that most folks have coverage costing in the range of $700. to $1200. depending their situation.

 

[dave and ginny]

I checked with Good Sam (GMAC)and they wanted $2200 for 6 months. I called Progressive quoted $1250 for 12 months and Cintinnati insurance got me for $435 per year. So make sure you shop around

This was all for $1000 deduct. and with flawless driving record.

 

[KR2011-REDW]

I called progressive and they quoted me 1500 for the year with 500 deductible I am still shopping. I also have a perfect driving record. Edited by: KR2011

 

[5th_Time-REDW]

Hi KR2011:
I have the same quote from Progressive for the roughly same amount - $1,577/yr,$500 ded, and "Purchase Price" coverage for Rec use (not full-time). Also, have same quote from Foremost for $1,574, but benefits seems less comprehensive.

I was wondering if you did any further "shopping" and how you did. Have only about two weeks left before RL comes in so I have to make a move soon.

 

[lillyputz]

Check with American Adventure Insurance 888-930-3680. mine will be $500 deductible, $4,000 personal replacement cost.$522.00 per year.

Lillyputz

 

[lillyputz]

On our currently 5th wheel we have have Good Sam. we will change to American for the Redwood as Good Sam wants $712.00 per year.
Lillyputz

 

[KR2011-REDW]

I called Foremost and they have a 10 year replacement ( 120% of value for the first 5 years and 100% of value for the next 5 years ) 250 deductable and 5000 personal contents for 1050 a year. I'm still looking.Edited by: KR2011

 

[RollsRoyce]

lillyoutz,

Was the rate with American Adventure including new replacement if in the first 5 years

 

[lillyputz]

RollsRoyce,
You can insure for what you want. the first five years is total replacement. 6 through 10 years is the stated amount. call them. they can explain all of the option.

Lillyputz

 

[morganalex]

I would compare online, and if you have any local insurance offices around and would prefer to go with them I would lay down the offer I got somewhere else, to see if they are willing to match it.

 

[KR2011-REDW]

It is simply amazing to me how their are so many different premium prices for the exact coverage it is almost mind blowing to figure out who has the best coverage.

 

[mhs4771]

There's more than just price to consider. A cheap rate isn't worth the paper the policy is printed on if all they give you is grief if you file a claim with a thousand reasons they shouldn't pay. Our present rig is insured through Travelers, but we'll have to switch the Redwood as Travelers has a 50K cutoff on the value of the rig and I'm afraid our Redwood retail is a little more than their limit. Talked to our Agent this afternoon to let them do some research and see what they can come up with.

 

[KR2011-REDW]

You are absolutely right on the cheap rate I'll choose the mid line premium and make sure they are a reputable company.