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How To Protect Your RV Investment. This forum is set up to discuss insurance needs, terminology & where to go to get the best possible coverage for your needs. From time to time we will discuss the issues and differences in insurance coverage. When would an appraisal be in your best interest & how often should you have an appraisal and where one could obtain a certified appraisal.

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  #1  
Old 05-09-2016
my1stWL my1stWL is offline
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Join Date: Apr 2016
Location: Register
Posts: 29
Default Insurance Quote For My 1st WL, Opinions

The following is my 1st quote for my '85 PT36, opinions would be
appreciated. Am I covered with this? I asked for agreed value not ACV and this is what they quoted.

1985 WANDERLODGE WANDERLODGE MOTORHOME VIN:
Garaging Zip Code: 30452 State: GA Use: Occupied 30-150 Days/Yr Pleasure Length: 36

Limits Deductible Premium
Comprehensive Agreed Value $38,340 - $2,500 deductible - $901
Collision Agreed Value $38,340 - $2,500 deductible - $287

Collision: Included with Comprehensive and (if purchased)
Mexico Coverage, Fire Department Service $1,000, Vacation Liability $10,000, Emergency Expense $750, Disappearing Deductibles

Bodily Injury Liability $100,000 each person/$300,000 each accident Liability To Others Property Damage Liability $50,000 each accident Uninsured Motorist Bodily Injury $100,000 each person/$300,000 each accident
Uninsured Motorist - Reduced Uninsured Motorist Property Damage $50,000 each accident $1,000
Medical Payments $5,000 each person
Roadside Assistance

Total premium for 1985 WANDERLODGE $1,365
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Joel Smith
Register, Georgia
1985 M-36-PT
1980 M-10 Eagle
2006 Moto Guzzi Breva
1988 RX7 V-8
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  #2  
Old 05-10-2016
rjslota rjslota is offline
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Join Date: Apr 2012
Location: Forked River
Posts: 69
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WOW!! I live in NJ. You didn't mention what Ins Co. I have $250/$500 Bodily==Property damage $100, UM/UIM Motorist $$250/$500==UM/UIM PD $100, PIP? $250,==a bunch of other stuff, No road side ***. Premium$714. I think you need to check with an Isn Co that wrights RV Ins. Oh my rig is a 2003 with $80 replacement. I use National Interstate. Funny I just went over all out Ins, home/auto/RV and no one ever comes close on RV quotes.
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Raymond Slota
Forked River, New Jersey
1983 FC35
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  #3  
Old 05-10-2016
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KCSS KCSS is offline
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Join Date: Mar 2010
Location: DeLand
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Save time & money - check with Blue Sky
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KC & Emma
DeLand, FL
2000 LXI
"Bordering On Adequate"
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  #4  
Old 05-10-2016
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iamflagman iamflagman is offline
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Join Date: Dec 2007
Location: Hopkins
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Quote:
Originally Posted by rjslota View Post
WOW!! I live in NJ. You didn't mention what Ins Co. I have $250/$500 Bodily==Property damage $100, UM/UIM Motorist $$250/$500==UM/UIM PD $100, PIP? $250,==a bunch of other stuff, No road side ***. Premium$714. I think you need to check with an Isn Co that wrights RV Ins. Oh my rig is a 2003 with $80 replacement. I use National Interstate. Funny I just went over all out Ins, home/auto/RV and no one ever comes close on RV quotes.
Comparing insurance between different states and even different counties and/or towns within a state cane result in big differences, also your credit rating and driving record can make a big difference.

I agree with KC give Blue Sky a call
Wanderlodge Owners Group > RV Lifestyle > Insurance, Vehicle & Towing, Taxes, and Lifestyle Costs > Blue Sky RV Insurance
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JOHN FINN
FORUM MODERATOR-ADMINISTRATOR
1982 FC35RB
I'm NO EXPERT, but I did stay in the FINN'S INN EXPRESS last night
HOPKINS, SOUTH CAROLINA
VISIT THE FINN'S INN EXPRESS REMODELING ADVENTURE AND TECH. TIPS
I'M SO SLOW ON THE HILLS,THAT I GET TO SMELL THE FLOWERS AS I GO BY.....AND WATCH THEM GROW TOO!! NOT SO MUCH ANYMORE
Visit the WILD HARE RACING website
REMEMBER 9/11
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  #5  
Old 05-10-2016
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Bill n Shelley Bill n Shelley is offline
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Join Date: Aug 2015
Location: La Porte
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I have an 85 PT40, Insured for 20k, going to up it to 40k as soon as I get an aprasial done. I have Blue Sky and it was 411.00 for the year.
I checked with Allstate, and they quoted a good price as well.
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Bill Steckert
La Porte, Texas.
Former owner of
"Grandpa's Bus"
1985 PT40
bsteckert@comcast.net
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  #6  
Old 05-10-2016
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Mallie Lennon Mallie Lennon is offline
1995 WB 42’ Series 60
 
Join Date: Jan 2011
Location: Eufaula
Posts: 4,946
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I had state farm on everything we own, and they charged me $1,600 a year for 3 years. And I have some little bit of commercial insured with them. Finally went to BS and it is a little over $600. Farmer Insurance though they could get close but in the end about like state farm. I think BS is a good choice. I hope I never have to find out how they pay off. I would feel much better with one of the farm insurance, but crazy price difference.
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Mallie & Karen Lennon
Eufaula, Oklahoma
95 42' Wanderlodge
Please use e mail instead of Private Message
Mallie@EuLake.com
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  #7  
Old 05-10-2016
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skywalker6582 skywalker6582 is offline
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Location: Dover
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I'm with Progressive through their USAA linkage, have higher coverage limits and same usage profile, and pay less than $400. But that includes multiple vehicle/boat discounts, etc... and a rural home base to park it at.
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Steve & Fran Walker
COL, Retired
Dover, TN
'86 PT38 "Eagle's Rest"
'82 FC35 (sold)
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  #8  
Old 05-10-2016
bubblerboy64 bubblerboy64 is offline
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Location: Shippensburg Pa
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Blue Sky . Why agreed value. Lots of information on the forum. Have John McGinnis appraise the coach and I think if you do your home work Blue Sky will be hard to beat. Coach net for road side assistance while you are at it. That just as important. NOT good Sam in my opinion
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John Heckman
Shippensburg Pa
1987 PT 36
The Bella Mia Sold
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  #9  
Old 05-10-2016
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irmagoo irmagoo is offline
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Location: washington
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Quote:
Originally Posted by skywalker6582 View Post
I'm with Progressive through their USAA linkage, have higher coverage limits and same usage profile, and pay less than $400. But that includes multiple vehicle/boat discounts, etc... and a rural home base to park it at.
me too steve
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mike mcgraugh
2003 LXI
"Blacktop Gyspy"
even a blind squirrel finds a nut once in awhile
washington Il.
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  #10  
Old 05-10-2016
my1stWL my1stWL is offline
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Join Date: Apr 2016
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Posts: 29
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I talked to Blue Sky today and started the process of a quote. They told me that I had to prove I had 2 years of big coach driving experience. I told them that I had a Class B CDL (since 1996) with a Bus/Passenger endorsement and she said that didn't prove that I had the experience. Said the I needed past insurance company proof of driving/ operating a coach. Help Please!
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Joel Smith
Register, Georgia
1985 M-36-PT
1980 M-10 Eagle
2006 Moto Guzzi Breva
1988 RX7 V-8
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