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Insurance question


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I have Home Owners Ins.company.  $392 per 6 months.  With insurance... the devil is in the details.  We have both comprehensive and collision replacement value w/$1k deductable, Road trouble service- all reasonable costs, Vacation Emergency expense (hotel expenses $250 per day) and liability, Contents $5k and awning replacement (zero deductable).

   My replacement value has a limit extending out to 3 years... After that I think we need to determine a new replacement value going forward.


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2022 Elite II, Hull #1097  Elli Rose 🌹 Lithium batteries w/390Amp hours, solar.  Tow vehicle is: 2019 F-150 4wd, 3.5L Eco-boost, 3.55 rear end, with Max tow package.


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We have had Amica since we purchased our LEII in 2019.  After the first year, Amica was using the list price less depreciation that didn't include the extensive options or take into consideration of their actual replacement cost.  We had them do a special underwriting using a number we felt represented the actual replacement cost in year 2 and 3.  We will no doubt need to discuss this at our next renewal.

David Caswell and Paula Saltmarsh

Hull 509 "The Swallow"

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My Oliver is/was new but -- I have USAA and they actually work with Progressive for Travel Trailers so I'd follow that advice. USAA rocks. After Hurricane Ian (I'm in the hardest hit area of southwest Florida) I was evacuated by a friend to Jacksonville. USAA worked with me on the phone, and I had my settlement (for a TOTALED new truck) in hand before 3 weeks passed, and was able to replace my truck in Jacksonville. My Oliver had NO damage, because it was stored in a new facility north of me, under cover. 


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Oliver Elite II Twin   Tow Vehicle: Chevy Silverado 2500HD.


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