Woodalls Open Roads Forum: General RVing Issues: Progressive RV Insurance Scam
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surfride

San Diego, CA, US

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Posted: 05/19/13 04:56pm Link  |  Quote  |  Print  |  Notify Moderator

I was speaking to an agent from Progressive on why my RV policy jumped another 20% this year. We went through each of the items and the agent made an offhanded comment regarding personal items coverage. The agent said the max Progressive will pay on any personal item is $500. I confirmed what the agent told me in their "California Motor Home Policy" page 35, Limits of Liability Section 2. a under Replacement Cost Personal Effects Coverage, section e. $500 per item.

So the $2,000 notebook I travel with, iPad, or digital camera, if any these of these items are stolen, I am only partially covered. Up until recently, I used to believe Progressive would pay me replacement cost, it sure sounds like it my declaration page where it says "Replacement Cost Personal Effects Coverage." But the scam is found page page 36, section 2. subsection e: max $500 per item.

I personally find this intentionally misleading and an outright scam. I dropped this coverage, immediately and I am shopping for better coverage. If there was a theft, I would end up going with my homeowners for personal items anyway. Why pay for this coverage? Progressive says in their advertising, "Its not a car, don't insure it like one." RIP OFF ALERT.


~surfride

harold1946

Surprise Arizona

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Posted: 05/19/13 05:09pm Link  |  Quote  |  Print  |  Notify Moderator

I do not agree with it being a scam or rip off, just a lack of comprehension on your part.
It is quite clear to me it states $500 maximum coverage per item under the replacement cost coverage.

Read and understand a policy before purchase.


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Tom N

Sarver, PA/Crystal River, FL/Shelocta, PA

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Posted: 05/19/13 05:30pm Link  |  Quote  |  Print  |  Notify Moderator

Scam is a strong word. How could this be a scam, "But the scam is found page 36, section 2. subsection e: max $500 per item."

Rather than a scam I would call it lack of knowledge by the policy holder.

I'm probably in the same boat. I'm not certain what coverage I have for personal property with my motorhome insurance.


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Dtaylor

Florence, SC

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Posted: 05/19/13 05:32pm Link  |  Quote  |  Print  |  Notify Moderator

All insurance is a rip-off until you need it.
It varies from state to state, but here in SC, my homeowners insurance covers the contents of the TT, my auto policy covers liability from accidents involving the TT and the RV policy covers everything else. Kinda weird but my contents are covered to the same extent my house is covered


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Water-Bug

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Posted: 05/19/13 05:59pm Link  |  Quote  |  Print  |  Notify Moderator

If they are items that you also use at home, they could possibly be covered by your home owners or renters policy. But then, you would also need to read that policy to know.

bsinmich

Holland, MI

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Posted: 05/19/13 06:12pm Link  |  Quote  |  Print  |  Notify Moderator

I just went through all of the fine print last week when I changed companies. I actually picked up a couple of small items on the coverage for little extra. I have been in life ins. 45 years and took the Prop/Cas class 4 times but could never convince myself to get into that side of the ins. At least I know what I am getting and definitely realize what the normal person has to go through in trusting your agent. That is the advantage of knowing your agent prior to getting ins.


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pookiebear38

Mesquite, TX

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Posted: 05/19/13 06:54pm Link  |  Quote  |  Print  |  Notify Moderator

My HTT was stolen a few years ago and I had to file a claim with Progressive. We were extremely fortunate that our trailer was recovered minus the battery, microwave, radio and most personal effects that we stored in the trailer. Now I don't have anything that cost much over $150 stored in there. Most expensive were the sleeping bags that we had just put in there for the hunting trip we were leaving on in 3 days. We had a check in hand 3 days after recovery for the towing, the dealer had a check in hand within 1 week to replace the missing items and I had a check in hand for my personal effects in the same timeframe. We had the trailer ready to camp within 4 weeks. I have no complaints with Progressive and will recommend them to anyone. Maybe check with your vehicle or homeowner insurance to see if they cover the more expensive items? I know, not a response to your feeling that they are "scamming" you, but I know from experience that they will work with you.


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powderman426

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Posted: 05/19/13 07:04pm Link  |  Quote  |  Print  |  Notify Moderator

Tough crowd here Surfride, but I tend to go with you on this one. If its not scamming, it sure is intentionally misleading if it states in the declaration "Replecement value for personal effects, and then in another sections stating a $500 limit. But hey if people here enjoy getting ripped, who am I to complain. So thank you for the heads up.

BTW I think an attorney would have a field day with this one.


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powderman426

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Posted: 05/19/13 07:04pm Link  |  Quote  |  Print  |  Notify Moderator

Tough crowd here Surfride, but I tend to go with you on this one. If its not scamming, it sure is intentionally misleading if it states in the declaration "Replecement value for personal effects, and then in another sections stating a $500 limit. But hey if people here enjoy getting ripped, who am I to complain. So thank you for the heads up.

BTW I think an attorney would have a field day with this one.

msalyer

Michigan

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Posted: 05/19/13 07:10pm Link  |  Quote  |  Print  |  Notify Moderator

I think it is purposely misleading when the say "Replacement Cost Personal Effects Coverage" on the declaration page. Replacement cost to me means just that. It should state Maximum $500 on the Declarations page. Then it would not be misleading.

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