One of the ugly things you need to know about RV insurance

RV insurance is offered by many of the names we recognize, such as Progressive, Farmers, Allstate & Geico. It is also offered through partner companies associated with AARP and Good Sams. Depending on the type of RV you own, there are various options to choose from. Different circumstances require different needs regarding insurance and the cost will be based on your specific needs. Living in an RV full-time is much different than only using an RV for vacation travel a few times a year, so of course full-time RV coverage is somewhat similar to insurance you would purchase for a primary home insurance policy.

A popular option is that of full replacement insurance coverage. Most people may think that they will get the amount needed to purchase a comparable new RV if theirs has been stolen or totaled, especially if it is brand new and the damage is not the result of negligence. You may think you would not have to come out of pocket at all except for the deductible, if for instance it was totaled by weather damage within a month or two of purchase. However, that may not the case, at least with Shanna and Brent, the couple that traveled with their new Grey Wolf travel trailer this summer shortly after purchasing their 2019 RV.

If you remember from previous blogs, they suffered hail & wind damage that ripped off the awning, damaged the roof and air conditioner, and completely damaged the whole side of the camper siding. After the damage we asked if they were concerned about replacing the RV and what it would cost them, and their reply was, “we have replacement insurance, we are all set.”

They purchased the insurance through an agency associated with Good Sam, a premier company that has the largest RV club membership. They offer everything from discounts on RV accessories, roadside assistance, RV loans and more. Their website boasts providing and servicing the insurance needs of RV owners for over 50 years. They state that their goal is 100% customer satisfaction. Unfortunately at least for Shanna and Brent, they are not 100% satisfied.

Is that the fault of those selling the Good Sam insurance, the Camping World salesperson, or the buyers not reading their policy carefully? If you go to Good Sam’s website and read their reviews, it seems like they are “God’s gift to the camper”. So, I went to Consumeraffairs.com where they have a comparison of a few RV insurance companies. There is also a link provided to an expert review and it references the following Good Sam list of statements. Notice the first bullet point which states:

Full replacement: Customize your RV coverage by adding full replacement cost coverage. This way you will receive a comparable new RV if yours is stolen or too damaged to repair.

https://www.consumeraffairs.com/insurance/rv-insurance/#good-sam-insurance-agency

Okay, so easy to understand why Brent and Shanna would believe they would get the equivalent amount of money from the insurance company to put towards a new RV with no issues and no extra out of pocket expenses. Like anything “insurance”, it isn’t always clear cut. For example, yesterday they picked up a new 5th wheel RV, and although they returned from vacation in July with their damaged camper, it is now almost mid-September and they still have not finalized everything with the insurance company. Their complaint is that the insurance company is almost impossible to get in contact with.

When they purchased their 2019 camper in late spring, they paid a fair price and put down a substantial down payment. Then they added extended warranty but then Camper World hit them with an ugly high dealer fee that was all rolled into the financing. When returning with the damaged RV and finding out that it was totaled, they decided it may be better if they upgraded to a 5th wheel with different siding that may hold up better in harsh weather. They anticipated getting the full value of what they purchased minus the deductible of course. But this is where it gets ugly.

When they returned from vacation with the damaged camper, the 2020 models are now for sale and the 2019 models of their RV are selling for substantially less than what they purchased the camper for. In fact, the insurance company found the same RV selling in Ohio for $6,000 less than what they purchased their RV for just a few months ago. So, at this point it looks like that is going to be the cost basis the insurance may use for the replacement price, which could leave them upside down. This is one of the ugly reasons this may potentially cost them an arm and a leg (seriously did you see the pics of Brent’s leg in the previous blog) to replace their unit

Assuming they simply replaced their 2019 Grey Wolf with another 2019 Grey Wolf, they think they would come out a little more whole. However, although they worked out a fabulous deal on the new 5th Wheel, which by the way they also purchased at Camper World and this time not paying an astronomical dealer fee, since the 2019 Grey Wolf is now highly discounted at dealers across the nation, it ends up being a disadvantage in this situation.

Although only owning the trailer for less than six months, the bottom line is that with replacement insurance, you only get back what your camper is worth at the time of the loss. The only silver lining to this story is that they did purchase GAP insurance which hopefully will help close the gap between what they are paid by the insurance company and what they owe on their original loan.

However, GAP does not cover the down payment they paid or the cost of the extended warranty, even though the insurance customer service rep did assure them that GAP would cover the down payment. Where is that is that in the fine print? Make sure you read that is Shanna’s advice.

But, will they ever hear back from the insurance company? You know that ugly little saying, “timing is everything” and it certainly applies to the world of RV insurance.

Camper Crazy Confusion

What does a used Jayco 5th Wheel, a brand new Winnebago View C class and a Pleasureway B+ class have in common? Look closely, can you tell?

In our quest to figure out which type of RV we should consider for our future travels (if and when my husband decides it should be in our future), we decided to take a road trip. Traveling to just outside of Memphis, we met up with our experienced Glamping Sr. couple, the Mid-lifers in their new Winnebago and their friends that have camped for years from Arkansas, with their pickup and 5th Wheel Jayco camper.

On our way, we stopped at Gander RV Sales in Alabama. We have been to many RV showrooms over the past couple years just “kicking tires”, but now we need to get all the BUZZ! Time to really educate ourselves, but there is a lot to learn when you know little about the Camper Crazy World.

So to persuade my husband that this is a life he would enjoy, I take him into the accessory store. Anyone that knows my husband can tell you that if it has a knob or a plug or a switch… he has to turn it, plug it in or switch it. He just can’t help himself. My plan…there has to be generators right? We will make our way there. We will eventually make it to the campers, but one step at a time.

Gander RV has a great accessory store, one of the best we have visited so far. They had a great pet section, RV furniture, outdoor equipment, all kind of RV parts and of course…GENERATORS. https://rv.ganderoutdoors.com/dealer/oxford-alabama-anniston

Oh boy, the bait seems to be working. He is enthralled with all the gadgets and the chair even has some kind of knobs and switches! Wow, they have more generators than one of the electrical supply houses he likes to frequent. This store is great! It is clean and spacious and has a great supply of camping gear, parts and accessories.

That is not all, they also have a nice selection of RV trailers and we look at several with our sales rep, Danny. He hasn’t been selling RVs for very long but is quite informative. Since my husband is a free lance electrical estimator, it is important that we have access to WiFi and we know not all parks have great WiFi, so we ask Danny about options. He shows us an LTE WiFi Router by Furrion. “Stay Online while exploring the world offline”, seems to be their motto. We need to explore this option further and if you are interested too, check out their website https://furrion.com/collections/routers/products/router

We see several campers that could potentially work for us, but feel more CONFUSED and overwhelmed with the amount of stuff we don’t know about the Camper Crazy world. So we get back on the road to hopefully find some answers. I am also very excited because I have a special surprise for Mark. I made arrangements for us to stay one night in the Winnebago View with the Mid-Lifers at the RV Park! Not so sure how he will react, but I am hoping that he will love it.

Oh, I almost forgot, what does a Jayco 5th Wheel, a Pleasureway and a Winnebago have in common? Owners that are all HAPPY CAMPERS and love think their RV is best…..for them at least. They are happy to share their likes & dislikes of their campers and discuss how to choose your RV and much more.

Join us on our youtube channel for Part 1,

https://www.youtube.com/watch?v=ipHJxNl5D5c

as my husband conducts Camper Crazy Round Table interviews with the owners as they discuss such topics as:

  1. What is your favorite feature of your RV? Part 1
  2. What don’t you like about your RV? Part 1
  3. What TP do you use? Odd question but important! Part 2
  4. Is it safe to be using the toilet when taking a curve at 60 mph? Part 2
  5. What is your best tip for someone purchasing an RV? Part 3
  6. You don’t want to miss these videos and by the way, we are still undecided as to which type RV will be best for us.
  7. Go to Youtube and type in Camper Crazy Buzz and you will see our channel. We thank you in advance for subscribing and liking our channel and our blog.

New Camper Crazy Family

Excitement and adventure is their dream as they load up their new Grey Wolf trailer by Forest River and leave the heat of Florida for the cool Canadian landscape. The camper layout is great for their family with a Queen bed and twin corner bunks and nice sized pantry. Purchased new from Camping World they are ready to be Camper Crazy World Travelers. https://www.campingworld.com/ Learn more about Forest River Grey Wolf trailers at:

https://forestriverinc.com/rvs/travel-trailers/grey-wolf?RegionSelected=1

However, if we look closely at their smiles and eyes, Shanna seems somewhat apprehensive and Mia has a grimace radiating a little fear…is her dad a bad driver or is she just dreading this trip? BJ, Colton and Jax look genuinely happy and ready to set-off and leave Central Florida for their first stop in Stone Mountain, Ga.

The first day took longer than they expected. They had to make extra stops for the baby so they arrive to the site late in the day. They decide that they must get up earlier in the mornings and get things wrapped up so they can reach their campsites while still daylight, although they all realize it just isn’t in their nature to be early birds. Every stop has been carefully mapped out by Shanna using RV Trip Wizard. http://rvtripwizard.com The website touts itself as the Best RV Trip Planner. Shanna, following the suggestion of mid-life crisis couple Chuck & Dana, signs up and plans her trip. We will find out later if RV Trip Wizard is all it says it is.

Days 1-6

The first couple days are just casual driving through the hills of Georgia and Tennessee heading to Minnesota. First few days are very enjoyable.

Kids are not miserable and in fact Mia and Jax are quite happy traveling through each state. Colton is not totally bored, but then…his internet access has not been interrupted too much. So all is well for now.

Not sure how BJ is living without his Starbucks drive through coffee. Do you think he brews Starbucks in the camper?

The circle of love – so far a great family trip. Look at those happy smiles. We will get Shanna & BJ’s comments about the campsites they stayed in a little later and will post on our YouTube Channel.

As we can see BJ is ready to do some laundry. They purchased a portable washer and dryer. We don’t have the details, as of yet as to how well they work. However, they store the washer under the main bed and haul the dryer in the back of their pickup. We did not realize they made such portable washers and dryers but are anxious to find out more about them, since I am not a fan of using laundromats. He looks so happy doing the laundry. I wish my husband looked like that when I ask him to throw some towels in the washer. Unfortunately, strong winds and hazardous steps cause some Camper Crazy drama. Stay tuned for future blogs. In the meantime, enjoy a video of their trip so far @ https://www.youtube.com/watch?v=DmijHYW2QGI&t=19s

What is all the Buzz about???

Camping, Glamping & the World of Recreational Vehicles

“Oh, the places you’ll go!” Dr. Seuss

My husband calls me Camper Crazy because I have been nagging him for the past 3 years to buy an RV.  I keep pitching the idea that we should live full-time in an RV when we retire… just a few years away! 

However, he thinks I am Crazy…Irrational…and just plain NUTS!  My husband is a workaholic and not one that likes to try new things.   The thought of buying a camper totally stresses him out.  So we have decided that we need to entrench ourselves in finding the pros and cons of camping and glamping and figure out which RV would work best for our circumstances and our future goals. 

We have visited many blog sites and watched 100’s of videos on different types of RVs…..MANY ARE SO BORING. Plus, they have done nothing to convince my husband that an RV is something we need to buy, let alone live in.  Let’s face it, you can only watch so many RV Salespeople showing you the features of an RV and then you find yourself…. snoring and dribbling spit on your pillow.

This site is a multi-family combined effort featuring the World of Camping, Glamping and Recreational Vehicles.  Why should YOU subscribe to our blog and follow us on You Tube?  Because we will give you the  Buzz of info to be off and running as another CAMPER CRAZY, FUN LOVING INDIVIDUAL!

  • We will follow some RV trips of new campers and experienced campers.  We will share their likes and dislikes, pros and cons. 
  • We will learn the dos and don’ts – tips and tricks – and share Hilarious, Outrageous  stories!!!   
  • What kind of RV works best for young families, working couples, seniors, and single people?  A CLASS; B CLASS, C CLASS?  No we are not talking about school for you non-campers.
  • But wait…Mark and I have been involved in construction all our lives.  In fact, we volunteer a lot of our time in helping with disaster relief work.  Wow….you would think he would want an RV to be able to do more in this type of work. 

Is retrofitting an older camper more logical, economical and conducive to a more attractive interior?  We may be retiring in a few years but I don’t want our RV to be classified as a Grandpa’s or Grandma’s Camper.  Jeez, that is why we call ourselves Pa and Gigi to our granddaughters.  If you didn’t know…Gigi is a grandmother but so much cooler!  So, for me a Cool Awesome Camper is absolutely a necessity. Plus, my 8 year old granddaughter would never want to vacation in an ugly camper with her Gigi. Gigi & Derby Adventures are never boring and are very cool.

  • What do we buy for our RV, when we determine which one to buy? After all, we want our married children and their families to travel with us on family vacations.  Our son, Shane is so much like his father and thinks RESORT = NO RV.  But his wife Kelli, would love joining us on RV trips.  Our daughter Summer is with me.  She would love to get an RV and is trying to sweet talk her husband Garth so maybe…just maybe they can join in on the family fun with our grandbaby Cookie.
  • And what about food?  What meals are the healthiest and easiest to make on the road? 
  • What campsites are the best?
  • We will also share pics and videos of areas you may want to visit and more!

This site is dedicated to finding the answers and featuring REAL LIFE CAMPERS in REAL LIFE (sometimes messy) RVs.  Most of all, it is dedicated to helping everyone become Camper Crazy!!! 

Next up….The First Time RV Family

                YOU DON’T WANT TO MISS THIS…A young couple with 3 kids on their first RV trip from Florida to Canada, driving a Ford F-250 pulling a new Grey Wolf Travel Trailer, (their rig on top of blog page).   So far, this trip falls somewhere between the movie RV and the National Lampoon Griswold Family. If anything can go wrong on this trip, so far it has.

Stay tuned to the adventures of Brent (B.J.) & Shanna, with the teenage son who likes video games and computers, the 9 year old daughter who likes to run 5k races with her mom and their adorable baby who has some special needs and the motivation for BJ to purchase an RV.

And then….Chuck & Dana

                A mid-aged (mid-life crisis maybe?) couple with 3 married children:  their eldest son and his wife and their travel friendly puppy, Tokyo catch up with their parents in California and travel up the coast, then they will be joined by their daughter, an Irish dance instructor and her husband.

Chuck and Dana are traveling from Florida to Vancouver on a six week trip in their brand new Winnebago View.  Their children are taking turns flying in to travel different legs on the trip with their parents.  This trip got off to a rough start, but the pics and videos are amazing.  You won’t want to miss being a part of this trip.

Traveling with them on this trip are her parents:

                Danny & Mary Ellen, who are Totally Experienced Glampers to the Extreme!  From previously traveling in a coach fit for a King and Queen, to now traveling in a new Pleasure-way Class B, they offer so many tips and tricks.  But, don’t let their fancy lifestyle fool you.  Danny is also an experienced Kayaker and Hiker.  He is a true camper and can help us learn the best items to use when camping in a small tent in the wild…yes with wild bears and snakes and bugs of every sort.  You can check out some of his hiking trips on YouTube @ https://www.youtube.com/watch?v=ngBadyvqGEM

So, now we are off…let the Adventure begin….join us at https://www.youtube.com/channel/UC-KjzYdmcJRpcRS3AAEEjQA and subscribe to join the fun. Our goal each week is gaining 100 subscribers to our channel and our blog. Can you help us reach that goal?

Please subscribe on the Blog Home page so you can get all the Camper Crazy Buzz!