Hey All,

We are in the process of taking a look at our insurance package; house, vehicles, toy hauler, skies, etc. AAA of Colorado has been raising our rates every year, and this year there was a huge jump. Our insurance premium has more than doubled in the past five years. We have never had a claim on our house in 20 years, no tickets on our dmv record, and no auto claims in the last six years. We had to claim our truck one month after we purchased it new, because some a**hole decided to key the entire passenger side while we were at the Rockies game. Thanks for that! Anyways, in our search we have found some companies that will not cover our toy hauler because of the 40’ length and then others that will not cover my truck once they find out we have the trailer. I thought I would ask here to try and get an idea of what companies most people use and recommend for an insurance company. If you don’t mind posting who you use, if you have had a claim and if they were helpful getting your RV/vehicle/home repaired. If you have had issues with a company, what issues and would you suggest staying away from them. Right now we have been working with a broker and he has been able to get us some quotes that could save us approximately $1,600 a year for the home owner’s policy with some of the big name insurance companies, but we wouldn’t be bundling the home and auto insurance. As far as the auto insurance, the vehicle premium is close to what we are paying now, except for the trailer insurance which has doubled from what we are currently paying.

Thanks in advance for your comments and advice.

Brice

 

I have geiico. I have had two claims for tire blowouts and each time they made it right.

For the trailer I pay somewhere around $230.00 a year.

 

Thanks Senix.

We will look at them.

 

Geico also insures my truck. They don't have a problem with a F450, but no towing for the truck. that is really the only issue they won't cover.

 

I use an independent agent. About every two or three years they let me know it's time to change carriers. They look out for me, giving me advice on what's worthwhile and what isn't. Since I've had kids come on/off my policy it hasn't stayed flat, but it's been acceptable for three cars, all 2017 or newer, and an RV trailer. I've had no issue getting anything insured.

 

I can PM you contact information for my agent. They're up in Billings, MT but they're taking care of me down here in CO.

 

Thanks HRTKD.

If you could. I will look at all options. I live up in Brighton.

 

Are you saying they will not cover the truck if you are towing your 5th wheel or they will not cover the truck for commercial towing?

Insurance rates vary by huge amounts. My 5th wheel is around $1500 a year because I am considered a "full timer" while we are rebuilding our house. State Farm was half that price but would not insure it if we were staying in it for more than so many days consecutively during the rebuild. I bit the bullet for the time being.

 

They won't cover towing my truck alone because it is a commercial vehicle. So no road side assistance for the truck.

However, I am covered bumper to bumper with them with mechanical breakdown insurance that will fix any thing from a bumper that fell off to a busted radiator.

So I have to pay for towing of the truck only.

 

We pay $238 a year for our '17 34.5' fifth wheel, through American Farmers and Ranchers.

 

We use an independent agent who shops every year for us. Some times we'll go a few years without having to change.

Another thing I do is speak with a lawyer that handles insurance claim cases to see what companies are currently paying well. Insurance companies go through cycles, sometimes they pay well, building their reputations, then they go through a cycle of not paying so well, building their profit.

If you ever have a large claim, you do not want to be in a situation where you have to fight with your own insurance company for them to pay.

 

You are correct. We lost 4 vehicles, had 4 motorcycle claims, a boat claim and a total loss of the house from a tornado. Each and every claim has been a struggle. All have been settled but the homeowners claim but it has been a battle. You can look around our neighborhood and see homes being rebuilt and if they haven't been started yet, you can bet they were insured with State Farm.

We had a tornado destroy thousands of homes in middle Tennessee. A picture of one of my daughters was found over a hundred miles from where we live.

 

Man, I'm sorry to hear that. Losing everything like that in one fell swoop has got to be devastating, regardless of the insurance.

Yeah, quite a while back it took us over three years to get our insurance to pay out on a valid claim. That is when we learned about companies paying really well, building that reputation so that lots of folks get insurance from them. Then they tighten their payouts for as long as they can, til they go thru the whole cycle again. Of course, smaller claims remain mostly unaffected by these cycles...it is the larger claims that are more affected.