Question:

Dear group, It is true that RV insurance is sometimes more expensive with Progressive Insurance Company since Progressive’s past client base has typically been higher risk drivers. They are moving into the preferred market as we speak but it is a slow process that may take awhile depending on where you are registered and where you primarily garage your vehicle. What is interesting is that Progressive modeled there whole RV program after Royal Insurance’s program which began it all 35 or so years ago. Has anyone here looked into them? At this point I feel the need to introduce myself. I am an agent for RV Alliance America which writes insurance for both Royal Insurance and Progressive Insurance Companies. We have been writing policies with the coverage’s you mentioned for many years now, and in my own experience I know that Royal Insurance is often a cheaper way to go if you have a healthy driving record. What can I answer for you about Royal Insurance? They have been doing specialized RV Insurance business, offering coverage’s such as Total Loss Replacement, Disappearing Deductibles, Unlimited Emergency Road Service and Towing, for over 30 years. They are rated an A on the AM Best List when it comes to claims service. Please feel free to call us at (800) 521-2942 for a quote to see what difference there may be between them and Progressive. We can also explain the specialty coverage’s in better detail at that time. Please feel free to also email me at: I might be able to answer many questions for you without even making a phone call.. Insurance can be very confusing about what you are REALLY getting and not getting. We can make sure you have what you need, and you know what you have.. Count on it. Thank you for caring enough about this subject to make a newsgroup about it! I hope to assist you soon in any way I can! Jeremy Barker Licensed Agent RV Alliance America Ps. Any personal testimonials about RV Alliance America or Royal Insurance out there? Post them! – Hide quoted text — Show quoted text – I haven’t looked at Formost yet, but I got a quote from progressive yesterday.  All I can say is OUCH!!!! The quote was for an RV only, not the RV and other autos as some of the other quotes I’ve recieved, but they were nearly four times what my current insurance company quoted and what camping world quoted.  I couldn’t believe it, so I called another agent and got a second quote, $300 cheaper, but still inexplicably outrageous.  They were at least $1400 higher than the next highest quote. I’d like to have some of the benefits they claim to offer, such as total replacement coverage and sign and drive road hazard, but not at thier prices. – Joe Any advice, pro or con on either Progressive or Foremost Ins. Companies? Thanks

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I have my car, truck and homerenters with State Farm, and in order to get the new trailer covered quick for comp and collision, I got an RV policy from them. My trailer is worth about 9K, and the cost was $95/year. There is no coverage for household goods, since my renters policy covers that. There is no coverage for personal liability since the homerenters covers that too, and the truck policy covers vehicle liability. Seems like a decent deal for a vacationer trailer. Wouldn’t work for full timers, I imagine. They are excellent on claims for auto and renters, I know that. Anybody use State Farm for their RV? Any experiences?

    Understand that there are only seven (7) companies in the US that properly insure full-timers, Ed, and State Farm isn’t one of them.  Please be aware that most companies will insure RVs, but only as an "extension" of their auto policy. Your coverage may not be what you think it is.  For more definitive information go to www.rvsafety.com/InsInfo.htm. Ram RV Safety URL:  www.rvsafety.com

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They are excellent on claims for auto and renters, I know that. Anybody use State Farm for their RV? Any experiences?

  Yes, and yes, all good. Stage Farm is cheap, but they go to bat for you more then some —– RV and Camping FAQ <http://kendaco.telebyte.net/rlindber/rv/ Remember, it’s the same computer geeks that gave us the problem in the first place that shortened "Year2000" into Y2K

Response:

You might try reading the article about State Farm Insurance that was in the July 4, l999, issue of the Washington Post. www.washingtonpost.com  Scroll down to near the bottom and in the search enter ‘State Farm Insurance.’ First heard about their practices on the radio talk show CLARK HOWARD CONSUMER ADVOCATE and then followed up by reading this article. MOST UNFAVORABLE!! **** Posted from RemarQ – http://www.remarq.com – Discussions Start Here ™ ****

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I have the RV, a motorhome, house, car, and pick/up all insured with State Farm.  Before the RV, they also covered a 35 foot sailboat. I have found cheaper insurance, but my local agent is a lovely person who takes great care of me. I have had a few claims over the past several years, and all were handled expeditiously, and to my satisfaction. I am not a fulltimer.  We travel 5 to 7 months a year. Good luck Bob **** Posted from RemarQ – http://www.remarq.com – Discussions Start Here ™ ****

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I had an awning blow off while driving down an interstate.  Called CW and they had a replacement.  Called Progressive and they met me at CW two hours later! Settled on the spot and gave me an extra $100 for two small barely visible dents on the molding below the awning arms.  

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I haven’t looked at Formost yet, but I got a quote from progressive yesterday.  All I can say is OUCH!!!! The quote was for an RV only, not the RV and other autos as some of the other quotes I’ve recieved, but they were nearly four times what my current insurance company quoted and what camping world quoted.  I couldn’t believe it, so I called another agent and got a second quote, $300 cheaper, but still inexplicably outrageous.  They were at least $1400 higher than the next highest quote. I’d like to have some of the benefits they claim to offer, such as total replacement coverage and sign and drive road hazard, but not at thier prices. – Joe – Hide quoted text — Show quoted text – Any advice, pro or con on either Progressive or Foremost Ins. Companies? Thanks

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Any advice, pro or con on either Progressive or Foremost Ins. Companies? Thanks

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I used Good Sam’s National General Ins. last year and switched to Foremost through a local agent this last April.  I have not had to file a claim, so I cannot rate them for claim service. – Hide quoted text — Show quoted text – Any advice, pro or con on either Progressive or Foremost Ins. Companies? Thanks

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Any advice, pro or con on either Progressive or Foremost Ins. Companies?

Yes! I have Foremost and have had ywo claims. They are the slowest,most difficult people I have ever dealt with.I have a claim pending now for four months now and it has been like pulling teeth without anesthesia. Buyer Beware.

Response:

Had Progressive a few years ago when we were full-timing.  Had to file a claim when clipped a gatepost pulling the rear endcap back several inches. They were very accommodating, allowing us to go to the factory in CA from AZ for repair, paid off no problems.  Based on that one incident, I can highly recommend Progressive as being easy to contact, fast, and efficient. — Ken ‘Woody’ Wood <<< [USA Ret., up&down] To have really lived, you must have almost died. To those who have fought for it, freedom has a flavor the protected will never know. – found anonymously scrawled on a bunker outside of Khe Sahn, RVN Neither laziness nor complacency are conducive to longevity. – krw

– Hide quoted text — Show quoted text – Any advice, pro or con on either Progressive or Foremost Ins. Companies? Thanks

Response:

We use Progressive.  Had a tree limb fall on the pickup.  Called Progressive and within an hour a Progressive van pulled in the driveway and we had a printed estimate within a half hour.  The repair shop found some additional damage.  They dealt with Progressive and I never heard anything else about it. – Hide quoted text — Show quoted text – Any advice, pro or con on either Progressive or Foremost Ins. Companies? Thanks

Response:

I have my car, truck and homerenters with State Farm, and in order to get the new trailer covered quick for comp and collision, I got an RV policy from them. My trailer is worth about 9K, and the cost was $95/year. There is no coverage for household goods, since my renters policy covers that. There is no coverage for personal liability since the homerenters covers that too, and the truck policy covers vehicle liability. Seems like a decent deal for a vacationer trailer. Wouldn’t work for full timers, I imagine. They are excellent on claims for auto and renters, I know that. Anybody use State Farm for their RV? Any experiences? —                     http://www.greenberg.org/ Master, Charity Jarman Lodge No. 362 F&AM, Campbell, California

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Shop around!!! We have been exploring in our attempts to arrive at a legal residence for FT rving. The process involves combining taxes, license fees, vehicle insurance, rv insurance, medical insurance, and mail forwarding costs. South Dakota wins hands down, if I am accepted for medical insurance as I expect to be with a waiver on my back problems which aren’t repairable anyway. Insurance has been a shocker. The prices have been all over the board. We are with RV Alliance America and Royal Sun Alliance at present here in Michigan and pay $700/year for the MH. RSA quoted the Alero at $2000/year so we insured it with Auto Owners at $1,000/year. When I called to check on rates for South Dakota, RSA doesn’t write in SD so RVAA quoted Progressive at $1300/year for the MH alone. YIKES!!!!!!! Today, we checked with Good Sams and they quoted $1,000/year for the MH _AND_ the Alero. WOW!!!!! This is for FTimers insurance. WOW!!!! Again! I’m gonna tack a Million dollar umbrella on top and call it good. Shop around! Lon

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 South Dakota wins hands down, if I am accepted for medical insurance as I expect to be with a waiver on my back problems which aren’t repairable anyway.

I don’t know what your back problems are, but if they are muscular and relieved by acupressure or massage, I recommend the Thera-cane: http://www.theracane.net/ When I had a C5-C7 fusion a couple of years ago, I thought I was going to have to go out on disability.  9 months after the accident, I was still having to move my whole body to look around, and my back was in constant pain from a rigid musculature that NEVER relaxed.  I think it started from wearing a neck brace for 3 months.  I couldn’t sleep more than a couple of hours a night.  Nothing worked :  electrical stimulation, yoga, exercise, bo-tox.  Actually the botox did work, for about an hour, but I couldn’t use enough of it to release 30 or so layered knots at a time.  I couldn’t walk more than a block or two without terrific pain, and I lived on muscle relaxers and Tylenol #4. That’s about the time I started tuning in here.  I thought RVing might take the place of camping and hiking for me. Then I discovered the theracane.  It is a simple device that allows YOU to release tension in back muscles exactly where YOU know it hurts, whenever you want, and the knots don’t have a chance to build up over days.  I went back to work about a month after starting to use this thing.  After 9 months off, it was still a little premature, but perhaps just in the nick of time to save my position. I still have occasional problems, but I don’t need expensive treatments to fix them.  I don’t sell these things, but I am sold on them.  They may have saved my useful life.  They certainly saved my job. Just a word to the wise, if you have the same problem I did. Bob

Response:

– Hide quoted text — Show quoted text -Shop around!!! We have been exploring in our attempts to arrive at a legal residence for FT rving. The process involves combining taxes, license fees, vehicle insurance, rv insurance, medical insurance, and mail forwarding costs. South Dakota wins hands down, if I am accepted for medical insurance as I expect to be with a waiver on my back problems which aren’t repairable anyway. Insurance has been a shocker. The prices have been all over the board. We are with RV Alliance America and Royal Sun Alliance at present here in Michigan and pay $700/year for the MH. RSA quoted the Alero at $2000/year so we insured it with Auto Owners at $1,000/year. When I called to check on rates for South Dakota, RSA doesn’t write in SD so RVAA quoted Progressive at $1300/year for the MH alone. YIKES!!!!!!! Today, we checked with Good Sams and they quoted $1,000/year for the MH _AND_ the Alero. WOW!!!!! This is for FTimers insurance. WOW!!!! Again! I’m gonna tack a Million dollar umbrella on top and call it good. Shop around! Lon

BTW, I got a quote from Progressive on the F250 and 27 foot Mallard for under $1100/yr. Bob

Response:

I don’t know what your back problems are, but if they are muscular and relieved by acupressure or massage, I recommend the Thera-cane: http://www.theracane.net/

They aren’t. Serious bone erosion and disc degeneration. Mostly bone on bone from my skull to my tailbone, and not very good bone at that. Lon

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