Best insurance for claims

I have Hartford thru AARP. Had a claim and they took great care of me. My RV repair place liked working with them. First accident I've had in 30 years. Hartford didn't cancel my insurance, but they doubled my premium. LOL! Can't win sometimes. But I do win most times. Wendy

We have USAA. Some say that USAA sends them to Progressive or other companies but we have insured a TC and 2 TTs directly through them. They have paid 2 claims for us over a 20 yr period. Both were paid quickly:  one was for broken glass and one totaled our previous TT.

If you can get USAA, I recommend it.  I've been a member for over 40 yrs and have been pleased with their services for home, auto and RV.

I have USAA and they sent me to Progressive. I've never filed a claim. I'm interested in the responses.

I had Progressive when my power post in our resort was struck by lightning. It's did nearly $9000.00 electrical damage. Since I had no claims for over five years I had no deductible. They even covered stuff that was discovered after filing the claim. My insurance did go up, but minimally.

Does your $500 premium just cover your Lance? Thanks Wendy

@Tam posted:

I have USAA and they sent me to Progressive. I've never filed a claim. I'm interested in the responses.

I think the USAA vs USAA/Progressive depends on your state.  We were in Colorado when we took out the first 2 policies and Kansas for the Lance.  Maybe they aren't licensed in some states to offer RV insurance and have an agreement with Progressive? But that is only a guess.

Im in Az and yes, it is for the trailer only. We have a separate policy directly with them for 2 autos. The rates go up every year, and for the first 3 or 4 years they covered the full replacement cost of a new trailer.  Now it only covers up to current value which is waaaaay less. Funny, so why is my premium higher?

When we got our new to us 1172 we just went to our regular Allstate agent. WOW! We gat an astounding quote of $4000 a year. I questioned it and asked for a recheck k. Yes that’s correct. I had heard on this forum that Progressive was the go to. Got a quote,$1000 for a full year. Done. Not sure I understand why, but Allstate is trying to limit exposure by not writing new policy’s. Our son was just informed by Allstate they were no longer writing his business liability policy. They really dropped him in the grease! Insurance is a pain!

My State Farm TT coverage and my personal umbrella coverage both went up almost 50% this year!  Can't wait to get my homeowners!!!

Thanks folks. I called Progressive and found out after 5 years, our deductible has gone from $500.00 to zero, so I guess I’ll stay with them.

The insurance with State Farm on our 2018 model 1995 is $179 a year with a $1,000 deductible.  It covers physical damage to the trailer.  Liability coverage goes with the tow vehicle. We haven’t had any claims.

Shelter Insurance with full coverage on TT 2375, $250 deductible for $83 a month. Have all my trailers, vehicles, home and business through them though and have for over 30 years. Always taken good care of my family even after two back to back claims for hail-o-bullets, 100mph straight line winds and biblical floods in Colorado just before COVID. Their tow service is not so great, pretty standard with most others so for that I use Coach Net.