abnrngr1986
Houston
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Joined: 02/01/2008
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I've done research on here and other places for a while now and after talking to RV Ins. Solution's they want 1200/yr insurance for this TH. What's so special about this rig? When doing research I saw as high as 6-800.00 for policies and most were saying that was way too much?
coverage's were 71k full replacement first 5yrs
2k PE
roadside
vacation lib- 10k I believe
emerg exp-750
1000/ded
less than 30 days/yr
stored in orange TX 77632
any help would be appreciated
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shadoow
South Texas
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Joined: 09/25/2007
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we have a similar situation as you. We live in Tx (brazoria county) & have a KZ toyhauler that's insured for replacement cost of 38k with the other insurances being similar to you. We pay $650-700 a year thru progressive. We got numerous quotes from all kinds of agents & organizations & this was the best we could do. We too saw that others were getting ins. much cheaper, but not sure of the details of their coverage. Like i said, what we're paying is the best we could do. I posted a few messages about our insurance search and what we found out when we did it if you're interested in reading more about it.
KZ 33P Toyhauler
2008 GMC 2500HD D/A
2006 Ultraclassic
1978 FLH
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abnrngr1986
Houston
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well that makes me feel like Im going to pay a lot more for insurance than i expected. Maybe I should call her back and see if she quoted me my storage zip or my residence zip which is harris co.(usually the highest in texas)
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juzplanekrazy
Huntington Beach Ca.
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Joined: 02/18/2006
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I also have what other's say is a high rate. It was the best I could get.
I pay right at 700.00 per yer. I have all the bells and whistles Progressive will give us. Full replacement $55K
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fly-boy
Los Angeles, CA
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Joined: 11/05/2004
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That is crazy expensive for trailer insurance.
On my 44 foot WW the insurance is like $200 a year with 1k deductible... I use State Farm which is what my house, most of my cars, boat... are also with.
2008 GMC 3500 SLT Duramax
2009 WW HKD plus 4 feet
2008 Custom Rhino
2005 CRF 450
2008 KTM 50
2006 KFX 50...
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WoofersInc
Las Vegas, Nevada
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Joined: 02/08/2005
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Just renewed my policy on my trailer. Paying $385 a year with full replacement coverage. I am using Explorer RV Insurance. They also where able to get me coverage on my cars that was less expensive than anyone else.
WoofersInc@cox.net
2004 Dodge 3500 Quad Cab Long Bed Dually
600 HO diesel with manual trans
B&W Companion Hitch
06 Raptor 700R
04 Honda 400EX
2007 Rhino SE
2007 Can Am Renegade
2006 RAMPAGE 385
http://rides.webshots.com/photo/2092532120088415409ScchpL
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abnrngr1986
Houston
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Joined: 02/01/2008
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fly-boy wrote:That is crazy expensive for trailer insurance.
On my 44 foot WW the insurance is like $200 a year with 1k deductible... I use State Farm which is what my house, most of my cars, boat... are also with.
i hear ya, this is with a credit score in the 800's no tickets.claims etc;
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Richard cheese
take her out to Wasco and Shafter
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Joined: 01/10/2007
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fly-boy wrote:That is crazy expensive for trailer insurance.
On my 44 foot WW the insurance is like $200 a year with 1k deductible... I use State Farm which is what my house, most of my cars, boat... are also with.
x2 on the state farm...about 140 a year for our 19ft attitude
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juzplanekrazy
Huntington Beach Ca.
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Joined: 02/18/2006
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Make sure we are all taking apples to apples here, like....
Comp/Collision
Deductables
Roadside assistance .i.e. towing
Fire Department Costs
Vacation Liabilitys
Personnal effects loss's
Emergency Expenses
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mapguy
Puget Sound
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Joined: 09/02/2007
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Big problem is each state and zip code of that state can potentially have a different rate for the same unit with same coverage. Then add to that the variables your driving record, credit score and claims history add to the puzzle -it is no wonder you hear such widely different prices being paid..... All you can do is get as many quotes as you can stand pursuing -then decide.
If you are a homeowner with multiple insurance companies covering different parts of your insurance umbrella -it maybe cheaper at the bottom line with one carrier that provides overlapping layers of coverage instead of individual carriers with discrete layers of coverage.
Map Guy
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