rideadeuce Posted May 3 Share Posted May 3 Since the replacement costs of the Oliver and worth keep going up. How does everyone go about making sure their policy will cover? We have had ours insured through State Farm for several years and it is pretty cheap but wanting to make sure we have adequate coverage due to upgrades and cost of replacement increases. Thought it would be a good discusstion. Any input would be appreciated. Cheers, Mike - Mike Brentwood, TN - 2018 Elite II - Spirit of Adventure Hull #308 - 2016 Toyota Tundra Limited 5.7L Class IV hitch with 12k lb coupler, Starlink, Cradlepoint cellular modem, Victron Multiplus II 12V 3000W, Ekrano display, Orion XS 50amp, Atmos 4.4 15k AC/12K Heat pump, Nova Kool 5810 fridge, Epoch 460aH x2, 520 watts solar, Custom rear bicycle rack, Alcan Springs, Bulldog shocks, Falken H/T02 tires Link to comment Share on other sites More sharing options...
Shawna and Scott Posted May 3 Share Posted May 3 We have a policy with Progressive currently that gives us full replacement up to five years. After that they give us what we paid or it. It is cheap and seemed to be what everyone was offering in our part of the country. 1 Vincent, Ohio | 2022 Elite ll, Hull #1182, 2014 Ford F150 3.5L EcoBoost, Max Towing PKG Link to comment Share on other sites More sharing options...
Half Fast Hugo Posted May 3 Share Posted May 3 28 minutes ago, rideadeuce said: Since the replacement costs of the Oliver and worth keep going up. How does everyone go about making sure their policy will cover? We have had ours insured through State Farm for several years and it is pretty cheap but wanting to make sure we have adequate coverage due to upgrades and cost of replacement increases. Thought it would be a good discusstion. Any input would be appreciated. Cheers, Mike We also use Progressive but the coverage is "Agreed Value" which basically means we said we want it insured for a specific dollar value. We're the second owners and set the value at what we have into it so it wouldn't replace it with new but we would get our money out of it which works for us. Coverages can vary by state though and may not be identical based on your state of residence. 4 2021 LE II - Hull 922 - "Ollie Be Back" 2013 Silverado 2500HD Duramax Hugo & Penny Bob & Cash (the pups) Link to comment Share on other sites More sharing options...
rideandfly Posted May 3 Share Posted May 3 We use Auto Owners insurance and have increased Ollie's insured value three times, so far. Started out at what we paid for Ollie used in 2016, then with upgrades and continued increasing value, adjust insured value when needed. Never dreamed needing to increase our camper's value when we purchased Ollie. 🙂 2015 LE2 #75 / 2024 F-150/5.0L Link to comment Share on other sites More sharing options...
Coastal Aggie Posted May 3 Share Posted May 3 Ive been using State farm. when i crashed the 2022 at the time i dont believe there were any other used LE1's on the market so they paid out enough to cover the increased cost of a 2023 with all the same factory upgrades. 1 2018 F150 FX4 5.0v8 2022 Oliver Elite Hull #1285 2023 Oliver Elite Hull #1434 Link to comment Share on other sites More sharing options...
Wandering Sagebrush Posted May 3 Share Posted May 3 As we bought a used Oliver, it is insured at the purchase price (State Farm). If we bought new, I’d certainly want a policy for replacement value. Hull #364 - The Roadrunner 2023 F350 CCLB SRW 6.7L Link to comment Share on other sites More sharing options...
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