Toterhome insurance
 

Who do you all use for a toterhome insurance

Re: Toterhome insurance
 

Mine is insured by State Farm as an RV. Mine is titled as a motor home. Cost is reasonable

Re: Toterhome insurance
 

I was with Allstate on the one I crashed 3 years ago. Took me over 2 years and one lawsuit to collect the stated value which was $240000. No injuries and only me involved. They are not good. Still fighting and sueing with the thief who towed the wreck for $41000 and then sold my salvage and I still have the title for the thing. Everyone be careful, there are some real bad insurance companies and people out there especially when you are from out of town. On the other hand, my trailer, race cars, tools, parts & everything else in there were insured by K & K insurance out of Indiana. Took about ten minutes to settle, and they paid every cent.

Re: Toterhome insurance
 

Jeff learned an expensive lesson; Allstate is known to be less than stellar. I had my motorhome insured using Overland Insurance Services ( www.rvins.com) and they can set you up with a number of different quotes. Also the FMCA (offers several benefits for $30 @ year) can also give you a quote, have heard positive reviews on them as well.

Re: Toterhome insurance
 

State farm only way to go

Re: Toterhome insurance
 

State Farm

Re: Toterhome insurance
 

I had to fight for a month to get a fair price for my Gulfstream Endura 6340 after it was totaled by a fire. Where they screw you is on the contents. They want reciets or phiotos to put a value on the contents. They call you a lier . I got about 30% of of the valueof my clothes, dvd's, TV's, dishes, cookware, and all ofthings that make a home.
And I had Camping World's, Good Sam Insurance, They advertise they are RV frendly, That is total BS.

Stan Hawes, Retired racer enjoying my fast street cars

Re: Toterhome insurance
 

My Toterhome insurance is through Foremost our of Grand Rapids, MI. They have been good to work with, but we luckily have never had a claim. I had a claim a few years back on my motorhome through Geico and it was super easy and quick. Geico would not insure my 2001 FL70 United though.

-Aaron

Re: Toterhome insurance
 

Contact Don Kennedy on this forum about what insurance he sells.

Re: Toterhome insurance
 

Several variables involved in insuring an RV or Toterhome. I have been doing this about 31 years. As I only write in Illinois I only know how things work here, different states have different rules. I would be happy to answer any questions and provide any quotes if anybody is interested. Jim Whalen

Re: Toterhome insurance
 

I added mine to my auto insurance last year and saved a bunch of money. My auto and home owners is with Auto Owners which I’ve had two home owners claims and they were great.

Re: Toterhome insurance
 

Hey Jim , question I’m from Ohio have my United freightliner motorhome pulling 26 stacker , registered as MH on home policy thru Erie insurance very reasonable . Because I’m seeing these latest threads on dot cracking down on rigs like we are using out of state , it looks like we will be forced to obtain Dot # , Ifta fuel tax sticker an CDL liscense - medical card which I’m fortunate to already have because of my previous job . That being said , they are saying this is a business because of payouts even though I don’t claim anything or run as business an Dot requires a business insurance . So are we or should we change the insurance policy to a business policy or as long as we carry the required amount will this satisfy them ? I’m sure the insurance will be much more costly if I call ask for that over the private MH insurance I currently have ? The fines I’ve been hearing about , I can’t take a chance on that , sounds like it would exhaust the racing budget an park a fellow for a year financially .
Thanks Kevin

Re: Toterhome insurance
 

Kevin,

Read the article in the attached link:

https://www.motorists.org/issues/other/dot-numbering/

Re: Toterhome insurance
 

Not familiar with Ohio insurance laws but I wouldn't think so. You want to stay away from any DOT numbers, log books, etc. As long as we can keep them licensed as RV's that should be the case.