Seeking RV Insurance for 4WD New SMB

Ketcham · 12-01-2010, 08:06 PM

In two weeks I am picking up my new SMB after a year long project, design build.

USAA does not take RV insurance and appropriately considers this an RV. They send me to Progressive and Progressive says they will not insure a van conversion and will not insure a Sportsmobile.

I want a policy that will give replacement value in say 5 years and pro-rated thereafter. It must also include off pavement use as well.

Hate to have this process delay my pickup.

All thougths welcome.

-j

Angel · 12-01-2010, 08:18 PM

I have National Interstate Insurance. I have the 5 year total loss replacement.

Angel

Roonie · 12-01-2010, 09:36 PM

I have progressive for my Sportsmobile and it was no problem getting it and they knew all about it. If you go online and fill out all the info you can clearly see they have Sportsmobile listed and all the features. Mine was used however....

surfgeek33 · 12-01-2010, 10:04 PM

We had State Farm.....same deal as angel's.

Aldercrest · 12-01-2010, 10:10 PM

That's strange. I just insured my SMB through Progressive after North Pacific/Liberty Northwest consolidated all their retail business into Safeco, and Safeco's cost for the stated value policy on the van was out of sight.

Roonie · 12-01-2010, 10:26 PM

Quote:

Originally Posted by Aldercrest

That's strange. I just insured my SMB through Progressive after North Pacific/Liberty Northwest consolidated all their retail business into Safeco, and Safeco's cost for the stated value policy on the van was out of sight.

ditto.... we have safeco for all our other auto policies but it was way too much for our SMB and our boat when we had it prior. We went to progressive for both and had a great price. Cheaper than our auto policy through Safeco.

jage · 12-01-2010, 10:28 PM

I have stated value with Progressive as well, and I've posted extensively about Progressive (search with author: jage).

Your problem is likely in the termonolgy, and the fact you're dealing with an army of "agents", not all of which can be the sharpest tool. I wouldn't use the word "conversion" as a "conversion van" is something totally different, and really until you start talking "stated value" insurance with Progressive they'd just bite you on everything that's not factory installed anyway.

The last time I wanted to switch, Farmer's couldn't come near their price for autos and had stopped covering "RVs".

PITA, but call again and talk to someone else.

hemiwin · 12-01-2010, 11:10 PM

If you (anybody) dosent mind, What is your monthly premium for your Sportsmobile? I'm looking for an estimate for a new fully loaded Rb50 4x4 valued at 100k+

I have no idea, just curious. THANKS

Aldercrest · 12-01-2010, 11:18 PM

Slightly less than $50/month for a 2002 E-350 EB with 4wd based on stated replacement value of slightly more than a third of what yours will cost. Would have been closer to $40/month without my wife's speeding ticket last year. I don't ever speed.

Angel · 12-01-2010, 11:21 PM

My stated value is $112,019 and the premium is and has been since Dec. 2008 $933 per year.

Angel