R-pod Owners Forum : Insurance? http://www.rpod-owners.com/ This is an XML content feed of; R-pod Owners Forum : I need HELP!!! : Insurance? Copyright (c) 2006-2009 Web Wiz Forums - All Rights Reserved. Wed, 20 May 2026 23:55:30 +0000 Fri, 01 Mar 2019 12:02:34 +0000 http://blogs.law.harvard.edu/tech/rss Web Wiz Forums 9.64 360 www.rpod-owners.com/RSS_post_feed.asp?TID=12581 R-pod Owners Forum http://www.rpod-owners.com/forum_images/web_wiz_forums.png http://www.rpod-owners.com/ Insurance? : We got several quotes thru our... http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=121125#121125 Author: Dirt Sifter
Subject: 12581
Posted: 01 Mar 2019 at 12:02pm

We got several quotes thru our independent agent and ended up with Camping World's coverage. Best price we found and most comprehensive (widest) coverage. DW was an insurance agent for 16 yrs.]]> Fri, 01 Mar 2019 12:02:34 +0000 http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=121125#121125 Insurance? : Simply added coverage to our USAA... http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=121103#121103 Author: IrishDream
Subject: 12581
Posted: 28 Feb 2019 at 11:28am

Simply added coverage to our USAA auto insurance policy.  Broad collision and comprehensive is all that was needed.  All other coverage, such as liability, personal injury protection, etc covered under towing vehicle coverage, which in our case will be a 2005 GMC Envoy SLT.

Welcome!  We pickup our new 179 10th Anniversary edition on April 18th!

Jack and Gail Kelly
]]> Thu, 28 Feb 2019 11:28:17 +0000 http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=121103#121103 Insurance? : A friend of mine worked as an... http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=121100#121100 Author: TheBum
Subject: 12581
Posted: 28 Feb 2019 at 10:31am

A friend of mine worked as an assessor at an insurance company (State Farm or Farmers, don't remember which). He always changed insurance about every 5 years to get the best rates. I don't know if insurance companies still do this, but it used to be that the longer you stayed with them, the more disproportional the rate increases became.]]> Thu, 28 Feb 2019 10:31:52 +0000 http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=121100#121100 Insurance? : Insurance is very convoluted and... http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=121080#121080 Author: mcarter
Subject: 12581
Posted: 27 Feb 2019 at 5:51pm

Insurance is very convoluted and confusing. I have not experienced what Andy talks about and have not had State Farm since the 70s when they canceled me for frequency of claims. Based on deer hits and a horse:) Oddly I have found ties with insurance companies with each other, for example USAA and Progressive, also USAA and Collector's car insurance, not a lot of separation out there. Bottom line you have to go where you feel covered. But don't think they are so isolated and different.]]> Wed, 27 Feb 2019 17:51:51 +0000 http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=121080#121080 Insurance? : I've been with State Farm... http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=121077#121077 Author: lostagain
Subject: 12581
Posted: 27 Feb 2019 at 5:21pm

I've been with State Farm since 1963 and have had very good service from them and few complaints.  Their premiums are pretty competitive with all the A.M. Best A rated companies.  They don't seem to be chasing away their older drivers.]]> Wed, 27 Feb 2019 17:21:24 +0000 http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=121077#121077 Insurance? : I had been a USAA member for over... http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=121075#121075 Author: Andy
Subject: 12581
Posted: 27 Feb 2019 at 5:16pm

I had been a USAA member for over 40 years but left them because of their almost 200% increase in premiums over about 2 years.  that was home owners, trailer and auto policies combined.  I called about the increase and they basically said tough stuff.  No effort to help, nada.  I have since dropped all insurance with them and combine Travelers and Progressive for the 3 and saved a bunch of money in the process.  So their advertising about being a usaa member for life is just a ploy.  Or maybe they just don't want us older policy holders. We are treated just like the under 25 bunch!]]> Wed, 27 Feb 2019 17:16:19 +0000 http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=121075#121075 Insurance? : If you are going to get an umbrella,... http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120798#120798 Author: lostagain
Subject: 12581
Posted: 18 Feb 2019 at 3:18pm

If you are going to get an umbrella, or excess, policy get one that covers all your personal lines coverages, such as your home, cars, etc., not just your trailer.  Excess coverage is not expensive, but there is no point in only getting it for your Pod.  You're just as likely to have something awful happen in your car, or your personal liability under your homeowners coverage.]]> Mon, 18 Feb 2019 15:18:47 +0000 http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120798#120798 Insurance? : If your doing insurance I would... http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120794#120794 Author: harrypodder
Subject: 12581
Posted: 18 Feb 2019 at 11:12am

If your doing insurance I would look at adding an Umbrella policy for   $1million. If your trailer ever comes loose it can do a lot of damage to other vehicles in a hurry and a 300,000 policy will quickly get eaten up and you could possibly end up with judgments that will take all your assets. It is cheap to add and will also cover your auto and home. ]]> Mon, 18 Feb 2019 11:12:10 +0000 http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120794#120794 Insurance? : I think I will be calling USAA... http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120784#120784 Author: TearlessTom
Subject: 12581
Posted: 17 Feb 2019 at 9:43pm

I think I will be calling USAA and Progressive  my next days off.  I was surprised that they wanted almost  as much for coverage for my 1992 Bass Boat which is 1/3rd the value of the R-Pod. 


Well I just checked with USAA who now uses Progressive for RV and Motorcycle.  I've had them both in the past.   Surprisingly Geico had the best rates of the three. 
]]> Sun, 17 Feb 2019 21:43:31 +0000 http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120784#120784 Insurance? : Bundling the coverage doesn't... http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120776#120776 Author: lostagain
Subject: 12581
Posted: 17 Feb 2019 at 5:21pm

Bundling the coverage doesn't necessarily mean that there are not several policies, but that you have all your coverages placed with the same carrier.  Mike is right that bundled rates are usually better.  Insurers tend to give you additional discounts for putting everything with their company.  

An example:  We have State Farm for our home, our two vehicles, and for our trailer.  All are separate policies but are bundled together with the same company.  The trailer policy is a completely separate policy from the TV.  Our trailer premium is about $135 a year, but that's one of the benefits of living in rural Nevada.
]]> Sun, 17 Feb 2019 17:21:58 +0000 http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120776#120776 Insurance? : Tearless, Not sure you can get... http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120774#120774 Author: mcarter
Subject: 12581
Posted: 17 Feb 2019 at 5:00pm

Tearless,

Not sure you can get an answer here. Insurance rates are very flexible based upon where you live. Get estimates, but appears you are getting a bundle rate, which in my mind is good. A single policy would probably more expensive and who wants multiple insurers. As an example my insurance in rural TN doesn't compare to same coverage in Nashville. I bundled with USAA and I'm content with that.]]> Sun, 17 Feb 2019 17:00:40 +0000 http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120774#120774 Insurance? : Premiums vary widely from state... http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120772#120772 Author: lostagain
Subject: 12581
Posted: 17 Feb 2019 at 4:42pm

Premiums vary widely from state to state and even within states.  The best thing to do is ask different companies for quotes.  In some states the TV and trailer are insured on the same policy, while in others they are separate.  When comparing prices, be sure to also compare the coverages you are getting so that you are comparing apples to apples.  ]]> Sun, 17 Feb 2019 16:42:30 +0000 http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120772#120772 Insurance? : I got this from my auto insurer.... http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120758#120758 Author: TearlessTom
Subject: 12581
Posted: 17 Feb 2019 at 8:57am

I got this from my auto insurer.   It seems a bit high to me. It is attaching it to my 2014 Ford F150 XLT  .

What are your thoughts?


Thank you for requesting a GEICO RV quote.

To provide coverage for your 2017 R-Pod 180, we would add the RV to your
existing auto policy. Based on the information you provided, your
six-month policy premium will be $538.14. This is an increase of
$176.86. This quote includes the following coverage:

   ·         Your existing auto policy liability limits
   ·         Comprehensive and Collision with a $500 Deductible
   ·         Vacation Liability at a limit of $10,000
   ·         Replacement Cost for Personal Effects at a limit of $5000
   ·         Emergency Expense Allowance at a limit of $1,000
   ·         RV Medical Payments at a limit of $1,000
   ·         RV Roadside Assistance
]]> Sun, 17 Feb 2019 08:57:05 +0000 http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120758#120758 Insurance? : Pioneer State out of Lansing,... http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120610#120610 Author: jato
Subject: 12581
Posted: 10 Feb 2019 at 7:59pm

Pioneer State out of Lansing, Michigan.  Bundled with our car insurance we have full towing, comprehensive, $ 1000.00 deductible for collision, and theft for a total of $ 76.00/year.]]> Sun, 10 Feb 2019 19:59:06 +0000 http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120610#120610 Insurance? : USAA all the way! http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120607#120607 Author: crw8sr
Subject: 12581
Posted: 10 Feb 2019 at 5:36pm

USAA all the way!]]> Sun, 10 Feb 2019 17:36:13 +0000 http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120607#120607 Insurance? : We have a stand alone policy through... http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120588#120588 Author: Shane
Subject: 12581
Posted: 09 Feb 2019 at 4:40pm

We have a stand alone policy through State Farm and I also carry AAA for road emergency. If you are thinking of getting AAA make sure you get the plus RV coverage.]]> Sat, 09 Feb 2019 16:40:15 +0000 http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120588#120588 Insurance? : We have USAA on vehicles, home... http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120582#120582 Author: mcarter
Subject: 12581
Posted: 09 Feb 2019 at 2:12pm

We have USAA on vehicles, home and Pod. Also have roadside assistance with them. Bundling makes it a bit cheaper.]]> Sat, 09 Feb 2019 14:12:58 +0000 http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120582#120582 Insurance? : Greetings:I have American Family.... http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120575#120575 Author: crankster78
Subject: 12581
Posted: 09 Feb 2019 at 8:47am

Greetings:
I have American Family.  It's separate coverage and costs about $45 a month.  I did check locally on insurance and found they are all pretty close in cost.  I live in a small town in S MN. I have AAA for roadside, both the TV and TT.  They will flat tow both for up to 200 miles free.  Not cheap but when your closing in on 79, You want someone to come and take care of things.

Crankster78
]]> Sat, 09 Feb 2019 08:47:54 +0000 http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120575#120575 Insurance? : We added our 179 to our Liberty... http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120537#120537 Author: TheBum
Subject: 12581
Posted: 08 Feb 2019 at 11:28am

We added our 179 to our Liberty Mutual auto policy as another vehicle. The premiums for collision and comprehensive are $314/year (insurance is a little on the expensive side in Texas); liability is covered by our TV's insurance.]]> Fri, 08 Feb 2019 11:28:14 +0000 http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120537#120537 Insurance? : Farm Bureau full coverage added... http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120530#120530 Author: Motor7
Subject: 12581
Posted: 08 Feb 2019 at 6:52am

Farm Bureau full coverage added to our car policy was $72 a year. ]]> Fri, 08 Feb 2019 06:52:11 +0000 http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120530#120530 Insurance? : We have a stand alone policy from... http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120528#120528 Author: lostagain
Subject: 12581
Posted: 08 Feb 2019 at 5:39am

We have a stand alone policy from State Farm.  It's added to the bundle for home, car, truck and trailer.  It isn't expensive.  Different carriers package the coverage in different ways, whether as an adendum to your vehicle policy or stand alone, but it all is pretty much the same in the long run.  The main thing is don't tempt fate and do nothing.  ]]> Fri, 08 Feb 2019 05:39:02 +0000 http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120528#120528 Insurance? : We have AAA, and they had a package... http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120521#120521 Author: GlueGuy
Subject: 12581
Posted: 07 Feb 2019 at 9:30pm

We have AAA, and they had a package for trailers that we added to our car insurance. It wasn't very much. In fact, I've forgotten how much it is... Embarrassed

]]> Thu, 07 Feb 2019 21:30:52 +0000 http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120521#120521 Insurance? : You might want to try again.... http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120516#120516 Author: StephenH
Subject: 12581
Posted: 07 Feb 2019 at 9:12pm

You might want to try again. There is no text in the post above. You can use Post Options to edit the post and add the missing text.

Edit: We have Central Mutual Insurance for our home and auto. The RPod is a rider on the auto policy. When we had our accident, Central was fantastic in service and assisting in getting it repaired.
]]> Thu, 07 Feb 2019 21:12:03 +0000 http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120516#120516 Insurance? : I haven't checked into insurance... http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120514#120514 Author: TearlessTom
Subject: 12581
Posted: 07 Feb 2019 at 9:10pm

I haven't checked into insurance yet as a new owner.  

 Do most just carry a rider on their car insurance or do you get individual insurance on your Pod. ?   

Does home owners cover it when it is parked in your yard?

Theft? Vandalism?  Storm Damage ETC.?
]]> Thu, 07 Feb 2019 21:10:52 +0000 http://www.rpod-owners.com/forum_posts.asp?TID=12581&PID=120514#120514