Insurance?
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Topic: Insurance?
Posted By: TearlessTom
Subject: Insurance?
Date Posted: 07 Feb 2019 at 9:10pm
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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.? ------------- Tearless Tom 2017 R-Pod 180 2014 Ford F-150 XLT 2WD 5.0 |
Replies:
Posted By: StephenH
Date Posted: 07 Feb 2019 at 9:12pm
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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. ------------- StephenH Happy is the man that findeth wisdom,... http://www.rpod-owners.com/forum_posts.asp?TID=7712 - ouR escaPOD mods Former RPod 179 Current Cherokee Grey Wolf 24 JS |
Posted By: GlueGuy
Date 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...  ------------- bp 2017 R-Pod 179 Hood River 2015 Ford F150 SuperCrew 4WD 3.5L Ecoboost |
Posted By: lostagain
Date Posted: 08 Feb 2019 at 5:39am
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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. ------------- Never leave footprints behind. Fred & Maria Kearney Sonoma 167RB Our Pod 172 2019 Ford F-150 4x4 2.7 EcoBoost |
Posted By: Motor7
Date Posted: 08 Feb 2019 at 6:52am
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Farm Bureau full coverage added to our car policy was $72 a year. ------------- 2016 R-Pod 176T |
Posted By: TheBum
Date Posted: 08 Feb 2019 at 11:28am
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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. ------------- Alan 2022 R-Pod 196 "RaptoRPod" 2022 Ram 1500 Lone Star 4x4 Three cats |
Posted By: crankster78
Date Posted: 09 Feb 2019 at 8:47am
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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 ------------- Crankster 78 R-179 2015 |
Posted By: mcarter
Date Posted: 09 Feb 2019 at 2:12pm
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We have USAA on vehicles, home and Pod. Also have roadside assistance with them. Bundling makes it a bit cheaper. ------------- Mike Carter 2015 178 " I had the right to remain silent, I just didn't have the ability." |
Posted By: Shane
Date Posted: 09 Feb 2019 at 4:40pm
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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. ------------- ENGINE 55,TRUCK 44,BATALLION 12 |
Posted By: crw8sr
Date Posted: 10 Feb 2019 at 5:36pm
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USAA all the way! ------------- Chuck & Lyn Izzy, Morkie. RIP Zoe Joy & Gracie, Yorkie 2018 R Pod 190 2019 Traverse In moments of adversity;when life's a total wreck, I think of those worse off than me and really feel like heck. |
Posted By: jato
Date Posted: 10 Feb 2019 at 7:59pm
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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.
------------- God's pod '11 model 177 '17 Ford F-150 4WD 3.5 Ecoboost Jim and Diane by beautiful Torch Lake "...and you will know the Truth and the Truth will set you free." |
Posted By: TearlessTom
Date Posted: 17 Feb 2019 at 8:57am
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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 ------------- Tearless Tom 2017 R-Pod 180 2014 Ford F-150 XLT 2WD 5.0 |
Posted By: lostagain
Date Posted: 17 Feb 2019 at 4:42pm
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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. ------------- Never leave footprints behind. Fred & Maria Kearney Sonoma 167RB Our Pod 172 2019 Ford F-150 4x4 2.7 EcoBoost |
Posted By: mcarter
Date Posted: 17 Feb 2019 at 5:00pm
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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. ------------- Mike Carter 2015 178 " I had the right to remain silent, I just didn't have the ability." |
Posted By: lostagain
Date Posted: 17 Feb 2019 at 5:21pm
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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. ------------- Never leave footprints behind. Fred & Maria Kearney Sonoma 167RB Our Pod 172 2019 Ford F-150 4x4 2.7 EcoBoost |
Posted By: TearlessTom
Date Posted: 17 Feb 2019 at 9:43pm
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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. ------------- Tearless Tom 2017 R-Pod 180 2014 Ford F-150 XLT 2WD 5.0 |
Posted By: harrypodder
Date 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. |
Posted By: lostagain
Date Posted: 18 Feb 2019 at 3:18pm
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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. ------------- Never leave footprints behind. Fred & Maria Kearney Sonoma 167RB Our Pod 172 2019 Ford F-150 4x4 2.7 EcoBoost |
Posted By: Andy
Date Posted: 27 Feb 2019 at 5:16pm
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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! ------------- 2017 179 2016 Silverado Z71 |
Posted By: lostagain
Date Posted: 27 Feb 2019 at 5:21pm
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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. ------------- Never leave footprints behind. Fred & Maria Kearney Sonoma 167RB Our Pod 172 2019 Ford F-150 4x4 2.7 EcoBoost |
Posted By: mcarter
Date Posted: 27 Feb 2019 at 5:51pm
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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. ------------- Mike Carter 2015 178 " I had the right to remain silent, I just didn't have the ability." |
Posted By: TheBum
Date Posted: 28 Feb 2019 at 10:31am
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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. ------------- Alan 2022 R-Pod 196 "RaptoRPod" 2022 Ram 1500 Lone Star 4x4 Three cats |
Posted By: IrishDream
Date Posted: 28 Feb 2019 at 11:28am
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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
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Posted By: Dirt Sifter
Date 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. |