List of Insurance Companies You Know that Carry RV Insurance

Last updated on June 3rd, 2019 at 09:46 pm

June 16, 2010 by Marlan at Rv52 1 Comment

[ This is a list we’ll update from time to time, but hopefully it helps you save time and comparison shop. Please leave comments that help people find the best deals or best coverage. ]

The links should take you to their RV insurance pages. Good luck!

It is worth mentioning that Geico and Progressive both are PAYING for the top spot on Google when you search for “RV insurance”.

Geico – Mr. Buffets company. I insure with them. I always have to CALL to get better insurance rates – they never lower the rates without me asking. Grrr. Also, they were not too smart and if you are not careful you’ll get the wrong trailer (like a storage trailer – or work trailer) insurance. We were looking at a ‘travel trailer’. People who are not IN the RV world do not understand the difference. I repeat – most people do not know that the word travel trailer MEANS if they are not in the RV world!!!!

[ update on Geico ] : I’ve since found out that they have their own rv insurance division that specializes in RV insurance. Make sure you ask for the RV division. It is located in North Carolina. Since I’ve found that division, I’ve had very good luck obtaining rv insurance quotes for my fifth wheel and for our puma travel trailer. They are also very familiar with rv usage modes and I’ve found them pleasant. I’ve also filed an rv insurance claim with them very successfully and was impressed with their adjusting and claim process.

Allstate – Oddly, they call it Motorhome insurance, so I don’t know if they won’t insure travel trailers or fifth wheels. I wouldn’t want anyone to waste their time – and I have to ASSUME that they don’t or they would have said something different. I’m finding that if you go outside of the SCRIPT to the call centers their heads explode!

Nationwide – If you DIG deep, you’ll find RV insurance on this site. When we moved my wife’s Honda from Nationwide to Geico, we HALVED our insurance, so it would be interesting to see the difference.

Farmers Motorhome and Farmers Travel Trailer. I think the fact that they view these separately might be a really good omen that as a company they’ve at least thought out the real differences. I think we’ll definitely get a quote from these guys. I do think it is important to note that a Motorhome is an entirely different set of risks for an insurance underwriter providing rv insurance. This is very sensible for them to be in different divisions.

Progressive – These guys will insure yo mamma! They have snowmobile insurance and Segway insurance. How cool is that?

USAA – I’ve noticed that many RV’ers seem to be retired military. So it is really great that USAA offers this insurance. They called it Motorhome only, so I don’t know about the pull types of rv insurance, but click the link to look them up.

Safeco – To be fair, this company is owned by Liberty Mutual. But I don’t know if you would get a discount for multiple vehicles if you insured with both.

American Family Insurance – I couldn’t get an RV link but they have RV insurance. It looks easy to get a quote too.

Maybe some noteworthy mentions next because they are companies you’ve heard of as well, but not so much around insurance…

GMAC – Yep. They seem to insure RV’s!

Good Sam – Many of you are Good Sam members, so I can’t help but think this would be an important mention to the RV community. It looks like GMAC and Good Sam are affiliated for offering insurance so having both of these here might not make sense.

MetLife – How cool is it that the life insurance company has some really good RV insurance pages?!

Foremost Insurance – Been around for a very long time.

AARP / The Hartford – No real comments here.

The following companies did not seem to even think about RV’s…

State Farm – Mentioned boats, but nothing else, even under the “other” category.
Liberty Mutual – Did a search on their site, and found one little tiny comment, but nothing else.
Travelers – Ironically, the name ‘Traveler’ indicates they ought to do this but they don’t. If you search for RV on their site, you’ll find that they HAVE an RV for driving to areas that need lots of adjusting!

RV Lemon Laws : Texas

Last updated on October 21st, 2012 at 12:37 pm

January 24, 2010 by Marlan at Rv52 Leave a Comment

If your RV ( recreational vehicle ) has questionable quality issues and you bought it in Texas from a Texas dealer you may be able to get some help from the Texas Lemon Laws. I believe the most applicable part of the Texas code is THIS LINK. There is a site that is an umbrella site to that link and you can reach it here.

I took a quick look and if you buy an RV for a market price from a dealer, but it has so many things wrong with it AND you made attempts to get it repaired but were able to get no satisfaction then you may be able to get relief from these statutes. When reading it, the test is that the value is seriously impaired. So if you got a REALLY good deal, then maybe not, but if you paid fair market value, then you have a good chance.

I’ll work on a list of lemon laws for different states and I can post them in Lemon Law list which gives pointers to the applicable states statutes. Would you like that?

Is an RV a Good Investment?

Last updated on October 21st, 2012 at 12:40 pm

January 3, 2010 by Marlan at Rv52 Leave a Comment

UPDATE : This article has been greatly expanded and made into a FREE ebook. Find out how to get the FREE ebook -> here <-.

This probably could be very controversial but I wondered if an RV is a good investment? I know it depreciates and homes appreciate, but what do the NUMBERS say?

I had to start with “Is an RV a good investment” and add “compared to what I’m doing now”.

So, THIS LINK is a google docs spreadsheet.

I make some ASSUMPTIONS (please be gentle oh blogosphere). I started with the idea that I am doing something now – say rent @ $1,400 per month. I then decided my choice was to buy a house or buy an RV and I compared the three. I assumed a savings rate, a mortgage rate, pad expense (for the RV), real estate taxes. I ignored the idea of an RV loan, although it is not out of the question, AND you even get a mortgage deduction with an RV loan. The one thing you don’t get is property tax which may make beating the standard deduction difficult.

What was suprising… is RENT is the absolute WORST path no matter what – not even close. But surprisingly, house and RV were not that far apart in ‘end point final assets’, but for ENTIRELY different reasons.

I left out some details like fuel costs for heating and cooling or rv insurance or home insurance as they needed to be purchased on both options. Anyway, just meant this to be FUN and thought provoking.

Marlan