Porta Potti and Insurance (Split)

[Angel]

Canyonclan-Jeff, What broker did you use for your Progressive insurance in Calif.? I did not know you can go direct. Does your policy say that being plumbed for water, having a built in stove and a built in bed are the requirements for a RV or motor home? In other words, a porta potti is OK. Progressive has the best price for me.

Angel

[adventureduo]

Angel, also check with Costco too. We just bought our SMB a month ago and they had no problem putting our van on our policy. It was a hair under $300 also. If you already have costco its a no brainer. The company is called ameriprise and we have all our rigs with them.

[daveb]

The trick is if you have to jump through hoops if the van is totaled. I know one person who was told she was covered only to find out things changed after she put in the claim. Almost worth getting a lawyer to verify the contract before you sign. I want to hear from folks who have been through this and got paid what they expected the insurance company promises to pay.
Dave

[Joanna]

Wait! I have insurance through Progressive!
I'd called my regular insurance company, USAA, before we left California and they said they didn't do RV's and forwarded my call to Progressive. I told Progressive I had a portapotti, and it didn't seem to make any difference.
I went around and around with them to make sure I had full replacement coverage for the van as an RV. They knew about SMB and assured me that if I totaled the van, I could get a 100% replacement, a new van up to the end of the 5th year of ownership. Do I have to total my van to find out?
Oh, and I just called a while ago and they bumped up my coverage to take into account my second solar panel.

[daveb]

Maybe others have had no troubles but with my luck Progressive turned me down for the porta pottie issue. Like I posted in the autoramblings special vehicle section, it seems to vary from agent to agent, state to state, business to business I got fed up. I even called back after the first call and got a different answer from a different person at the same place. GMAC said no problem, but who knows. Seems the only true test is to go out and total it. I do know this...if they ask me what I have in the vehicle I will say I have all the crap that's required including the built in crapper...pun intended!

[scatter]

I had the same experiance as Daveb. I was with Progressive and went round and round with them on the porta potti issue and was finally told that the potti was OK. Then I got the complete policy and it read basicly, no porta potti. I called again and was told no permant crapper, no coverage. I cancelled with them and went with National. Didn't want to take a chance on not being covered.