Agreed-Value RV Insurance

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Rostam
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Joined: Tue Oct 04, 2016 10:54 pm

Agreed-Value RV Insurance

Post by Rostam »

My insurance company (State Farm) would not provide me with an agreed-value coverage for our Avion (even though I was willing to have our Avion appraised), so, I started shopping around for RV insurance.

I called All State and Geico. Neither provided coverage (Geico said they would provide coverage for new RVs only). I found an insurance broker via Google search and they said they can get me RV insurance but I have to have my trailer appraised (they would accept an existing appraisal of up to 2 years old or a bill of sale). I called the nearest RV shop a couple of times (they sell SOB trailers) about getting an appraisal, but they never called back! So, Google search came to the rescue again. I found this site that specializes in appraising vintage cars and they said they would appraise vintage RVs as well.

I had them appraise our Avion. Sent them many interior/exterior photos, a description of the trailer and long list of upgrades I had made and they appraised it for $19,800. I sent the appraisal to the insurance broker and they quoted me for $274 a year with $1000 deductible (I added my wife to the policy as well. Individually, the premium was slightly lower). I purchased the coverage. Its good for 10 years, after which I need to appraise our Avion again. I now sleeps a little bit better :D knowing that if, god forbid, something happens to our Avion, its not a total loss and at least I can start over with another Avion and another renovation :D

I wanted to share the info of the insurance broker and appraisal shop in case others are interested in agreed-value policies.

Insurance broker (I spoke with Robin):

FCIS Insurance
https://www.fcisinsurance.com/
1-800-331-1520
Fax (641) 585-5166
rnelson@fcisinsurance.com

Appraisal shop (I spoke with Brittany)

Pinnacle Auto Appraisers
https://autoappraisers.com/
1-877-988-9911
Fax (281) 547-0919
brittany@autoappraisers.com

Hope this info is helpful.
1978 Avion 26-H
2021 Toyota Tundra SR5
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KYAvion
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Re: Agreed-Value RV Insurance

Post by KYAvion »

Well done and thanks for sharing that information. Great appraisal value too!
KYAvion
1984 Avion 30R
Rostam
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Re: Agreed-Value RV Insurance

Post by Rostam »

Thanks!
1978 Avion 26-H
2021 Toyota Tundra SR5
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KYAvion
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Re: Agreed-Value RV Insurance

Post by KYAvion »

KYAvion
1984 Avion 30R
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Re: Agreed-Value RV Insurance

Post by Salty »

This should be a sticky.
1987 34V
2000 Ford F250
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KYAvion
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Re: Agreed-Value RV Insurance

Post by KYAvion »

Done.
KYAvion
1984 Avion 30R
silverloaf
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Re: Agreed-Value RV Insurance

Post by silverloaf »

You might want consider adding Auto Owners Insurance Co. to your list. We insured our trailer with them last $13,000 without any appraisal. $250 deductible. $56 per year on our bundled policy. They serve in 26 states.
" Faith can move mountains, but don't be surprised when God hands you a shovel.”


Silverloaf (Bob)
Dawsonville, GA
1988 30P
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KYAvion
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Re: Agreed-Value RV Insurance

Post by KYAvion »

Silverloaf- is that an “Agreed Value” policy?
KYAvion
1984 Avion 30R
Rostam
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Re: Agreed-Value RV Insurance

Post by Rostam »

One thing I forgot in my initial post: Our RV insurance is via Progressive.

SilverLoaf's coverage, if indeed agreed-value, is exceptional. I only got RV insurance from Progressive (not home or auto). Bundling home/auto would be a great idea and provide discounts, but was not possible for us.
1978 Avion 26-H
2021 Toyota Tundra SR5
Tarnished
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Re: Agreed-Value RV Insurance

Post by Tarnished »

I've got full coverage from Progressive but only up to the purchase value of last Dec. Through a local insurance broker. Will soon attempt to up the coverage before heading to Fla. Current premium is $165.00/annum
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