need new Insurance company

[Ryan Wright]

Thanks Terry, I'll check 'em out. No under age drivers in my house,
though my daughter is almost 12 so it's only a few more years. Still,
hell will have to freeze over before I let a teenage girl drive my
coach. :-)

-Ryan
'86 PT-40 8V92

On Thu, Mar 6, 2008 at 7:00 PM, Terry Neal wrote:
>
> Ryan, if you have any under age drivers (less than 25) you CAN'T BEAT
> HARTFORD!!! Also, see my previous posts on the Blue Bird coverage's. Can't
> beat them & I know a lot of insurance companies that I shopped the coverage
> with.
>
> Terry Neal
> Bozeman, MT
> 82PT40 6V92TA
> 74FC34 6V53T

[Gregory OConnor]

I was always able to buy a cetified realestate apprasial for the
value I needed, I guess the RV guys are the same. I first thought
stated value would be a fair way to buy insurance but I can see
problems with these overstated values making RV's flammable. It is
crap like this that makes insurance a game and the security of
insurance expensive. Leroy and the other good folks of this forum
who like having replacement insurance for 'pease of mind' end up
paying for the few who abuse the plan.

GregoryO'Connor
94ptRomolandCa

--- In WanderlodgeForum@yahoogroups.com, Leroy Eckert
wrote:
>
> I just obtained an agreed value policy through RV America. The
underwriter is American Modern. The agreed value is $107,761 which
is supported by an independent certified appraisal which I obtained.
> What makes all the work worthwhile is this. The independent
appraiser stated. "If you entertain trading this motor coach for
newer production model you would be making a big mistake. This is
the nicest 18 year old coach I have ever seen." He also said, if
kept in it's current condition further depreciation would be
minimal. For what it's worth.
>
> Leroy Eckert
> 1990 WB-40 Smoke N Mirrors
> Daholonega, GA
> Royale Conversion
>
> Dorn Hetzel wrote: I
was just in contact with explorerrv and the indicated they didn't
have any agreed value coverage available for a 77. Oh well...
>
> Dorn Hetzel
> 77FC35
> Hogansville, GA
>
>
> On Thu, Mar 6, 2008 at 9:35 AM, Jack and Liz Pearce
wrote:
>
>
> --- In WanderlodgeForum@yahoogroups.com, "Dale B. Cooper"
> wrote:
> >
>
> > Looking for Insurance company, I am thinking of an Agreed Value
type
> > policy, any suggestions or recommendations.
> >
> > Dale Cooper
> > 84FC35SB
> > Painesville, Oh.
> >
>
>
> We use Explorer RV Insurance. http://www.explorerrv.com 888.774.6778
and Bob
> Isbell is our agent. We are satisfied with this firm. Both our
Bird and
> Jeep are insured there.
>
> Regards,
> Jack and Liz
> Regards,
> Jack and Liz Pearce
> Fulltiming in a 1993 Wanderlodge WB40
> D'Hanis, TX
>
>
>
>
>
>
>
>
>
>
>
>
> ---------------------------------
> Never miss a thing. Make Yahoo your homepage.
>

[Leroy Eckert]

I respectively suggest that you cannot "buy" a certified real estate appraisal in this market for any where close to what you think your home is worth. In the case of my motor home, I took it to a dealer whom I do not know for an appraisal. I stated I needed an appraisal which would stand the test of a court of law if need be. I did not give the appraiser a number. I simply stated the number should be what you feel comfortable with, and what it is, is what it is. The premium for the my policy did not change, and I do not plan on introducing heat.
Folks are free to market their asset for what ever price they chose, sell it for $75,000 if the want, just leave mine out of that mix.

Leroy Eckert
1990 WB-40 Smoke N Mirrors
Dahlonega, GA
Royale Conversion

Gregory OConnor wrote:

I was always able to buy a cetified realestate apprasial for the
value I needed, I guess the RV guys are the same. I first thought
stated value would be a fair way to buy insurance but I can see
problems with these overstated values making RV's flammable. It is
crap like this that makes insurance a game and the security of
insurance expensive. Leroy and the other good folks of this forum
who like having replacement insurance for 'pease of mind' end up
paying for the few who abuse the plan.

GregoryO'Connor
94ptRomolandCa

--- In "WanderlodgeForum%40yahoogroups.com", Leroy Eckert

...> wrote:
>
> I just obtained an agreed value policy through RV America. The
underwriter is American Modern. The agreed value is $107,761 which
is supported by an independent certified appraisal which I obtained.
> What makes all the work worthwhile is this. The independent
appraiser stated. "If you entertain trading this motor coach for
newer production model you would be making a big mistake. This is
the nicest 18 year old coach I have ever seen." He also said, if
kept in it's current condition further depreciation would be
minimal. For what it's worth.
>
> Leroy Eckert
> 1990 WB-40 Smoke N Mirrors
> Daholonega, GA
> Royale Conversion
>
> Dorn Hetzel > wrote: I
was just in contact with explorerrv and the indicated they didn't
have any agreed value coverage available for a
77. Oh well...
>
> Dorn Hetzel
> 77FC35
> Hogansville, GA
>
>
> On Thu, Mar 6, 2008 at 9:35 AM, Jack and Liz Pearce
...> wrote:
>
>
> --- In "WanderlodgeForum%40yahoogroups.com", "Dale B. Cooper"
> > wrote:
> >
>
> > Looking for Insurance company, I am thinking of an Agreed Value
type
> > policy, any suggestions or recommendations.
> >
> > Dale Cooper
> > 84FC35SB
> > Painesville, Oh.
> >
>
>
> We use Explorer RV Insurance. http://www.explorerrv.com 888.774.6778
and Bob
> Isbell is our agent. We are satisfied with this firm. Both our
Bird and
> Jeep are insured there.
>
> Regards,
> Jack and Liz
> Regards,
> Jack and Liz Pearce
> Fulltiming in a 1993 Wanderlodge WB40
> D'Hanis, TX
>
>
>
>
>
>
>
>
>
>
>
>
> ---------------------------------
> Never miss a thing. Make Yahoo your homepage.
>

---

Be a better friend, newshound, and know-it-all with Yahoo! Mobile. [url=http://us.rd.yahoo.com/evt=51733/*http://mobile.yahoo.com/;_ylt=Ahu06i62sR...o8Wcj9tAcJ ] Try it now.[/url]

[Mike McMahan]

I think there is a term for "buying a certified apprasal for whatever
value" you want. MIke McMahan 1996 42' Wanderlodge

--- In WanderlodgeForum@yahoogroups.com, "Gregory OConnor"
wrote:
>
> I was always able to buy a cetified realestate apprasial for the
> value I needed, I guess the RV guys are the same. I first thought
> stated value would be a fair way to buy insurance but I can see
> problems with these overstated values making RV's flammable. It
is
> crap like this that makes insurance a game and the security of
> insurance expensive. Leroy and the other good folks of this forum
> who like having replacement insurance for 'pease of mind' end up
> paying for the few who abuse the plan.
>
> GregoryO'Connor
> 94ptRomolandCa
>
> --- In WanderlodgeForum@yahoogroups.com, Leroy Eckert
> wrote:
> >
> > I just obtained an agreed value policy through RV America. The
> underwriter is American Modern. The agreed value is $107,761 which
> is supported by an independent certified appraisal which I
obtained.
> > What makes all the work worthwhile is this. The independent
> appraiser stated. "If you entertain trading this motor coach for
> newer production model you would be making a big mistake. This is
> the nicest 18 year old coach I have ever seen." He also said, if
> kept in it's current condition further depreciation would be
> minimal. For what it's worth.
> >
> > Leroy Eckert
> > 1990 WB-40 Smoke N Mirrors
> > Daholonega, GA
> > Royale Conversion
> >
> > Dorn Hetzel wrote: I
> was just in contact with explorerrv and the indicated they didn't
> have any agreed value coverage available for a 77. Oh well...
> >
> > Dorn Hetzel
> > 77FC35
> > Hogansville, GA
> >
> >
> > On Thu, Mar 6, 2008 at 9:35 AM, Jack and Liz Pearce
> wrote:
> >
> >
> > --- In WanderlodgeForum@yahoogroups.com, "Dale B. Cooper"
> > wrote:
> > >
> >
> > > Looking for Insurance company, I am thinking of an Agreed
Value
> type
> > > policy, any suggestions or recommendations.
> > >
> > > Dale Cooper
> > > 84FC35SB
> > > Painesville, Oh.
> > >
> >
> >
> > We use Explorer RV Insurance. http://www.explorerrv.com 888.774.6778
> and Bob
> > Isbell is our agent. We are satisfied with this firm. Both our
> Bird and
> > Jeep are insured there.
> >
> > Regards,
> > Jack and Liz
> > Regards,
> > Jack and Liz Pearce
> > Fulltiming in a 1993 Wanderlodge WB40
> > D'Hanis, TX
> >
> >
> >
> >
> >
> >
> >
> >
> >
> >
> >
> >
> > ---------------------------------
> > Never miss a thing. Make Yahoo your homepage.
> >
>

[Gregory OConnor]

My motorhome and house have not a 'think value' because they are not
on the market for sale, replacement or leverage. Like your classic
Volvo, I bet your bus is in perfect shape and a fine example of
a '90 PT.

The rates you pay monthly recover the undewritters loss due to
claims and profit. If appraisers (who set the recovery value for
loss payout) inflate the payout value over market value, everyone's
rates are set to cover that calculated loss. Since your rates dont
increase with a higher payout value, having the appraisal ensures
that you will secure a large piece of the inflated calc you now pay
into. Your appraisal may benifit Bob and Dixie??

Ben Franklin sold fire insurance in Philly. The largest part of his
staff operated the fire fighting equipment. Over the years, Fire
fighting got efficient but the insurance rates have burned out of
control.

GregoryO'Connor
94ptRomolandCa


--- In WanderlodgeForum@yahoogroups.com, Leroy Eckert
wrote:
>
> I respectively suggest that you cannot "buy" a certified real
estate appraisal in this market for any where close to what you
think your home is worth. In the case of my motor home, I took it to
a dealer whom I do not know for an appraisal. I stated I needed an
appraisal which would stand the test of a court of law if need be. I
did not give the appraiser a number. I simply stated the number
should be what you feel comfortable with, and what it is, is what it
is. The premium for the my policy did not change, and I do not plan
on introducing heat.
> Folks are free to market their asset for what ever price they
chose, sell it for $75,000 if the want, just leave mine out of that
mix.
>
> Leroy Eckert
> 1990 WB-40 Smoke N Mirrors
> Dahlonega, GA
> Royale Conversion
>
> Gregory OConnor
wrote: I was always able to buy a
cetified realestate apprasial for the
> value I needed, I guess the RV guys are the same. I first
thought
> stated value would be a fair way to buy insurance but I can see
> problems with these overstated values making RV's flammable. It
is
> crap like this that makes insurance a game and the security of
> insurance expensive. Leroy and the other good folks of this forum
> who like having replacement insurance for 'pease of mind' end up
> paying for the few who abuse the plan.
>
> GregoryO'Connor
> 94ptRomolandCa
>
> --- In WanderlodgeForum@yahoogroups.com, Leroy Eckert
> wrote:
> >
> > I just obtained an agreed value policy through RV America. The
> underwriter is American Modern. The agreed value is $107,761
which
> is supported by an independent certified appraisal which I
obtained.
> > What makes all the work worthwhile is this. The independent
> appraiser stated. "If you entertain trading this motor coach for
> newer production model you would be making a big mistake. This is
> the nicest 18 year old coach I have ever seen." He also said, if
> kept in it's current condition further depreciation would be
> minimal. For what it's worth.
> >
> > Leroy Eckert
> > 1990 WB-40 Smoke N Mirrors
> > Daholonega, GA
> > Royale Conversion
> >
> > Dorn Hetzel wrote: I
> was just in contact with explorerrv and the indicated they didn't
> have any agreed value coverage available for a 77. Oh well...
> >
> > Dorn Hetzel
> > 77FC35
> > Hogansville, GA
> >
> >
> > On Thu, Mar 6, 2008 at 9:35 AM, Jack and Liz Pearce
> wrote:
> >
> >
> > --- In WanderlodgeForum@yahoogroups.com, "Dale B. Cooper"
> > wrote:
> > >
> >
> > > Looking for Insurance company, I am thinking of an Agreed
Value
> type
> > > policy, any suggestions or recommendations.
> > >
> > > Dale Cooper
> > > 84FC35SB
> > > Painesville, Oh.
> > >
> >
> >
> > We use Explorer RV Insurance. http://www.explorerrv.com
888.774.6778
> and Bob
> > Isbell is our agent. We are satisfied with this firm. Both our
> Bird and
> > Jeep are insured there.
> >
> > Regards,
> > Jack and Liz
> > Regards,
> > Jack and Liz Pearce
> > Fulltiming in a 1993 Wanderlodge WB40
> > D'Hanis, TX
> >
> >
> >
> >
> >
> >
> >
> >
> >
> >
> >
> >
> > ---------------------------------
> > Never miss a thing. Make Yahoo your homepage.
> >
>
>
>
>
>
>
> ---------------------------------
> Be a better friend, newshound, and know-it-all with Yahoo!
Mobile. Try it now.
>

[Gregory OConnor]

I dont know the term or penal code but the result is RE:'high
forclosure rate' and RV: 'high insurance premium'

GregoryO'Connor
94ptRomolandCa


--- In WanderlodgeForum@yahoogroups.com, "Mike McMahan"
<mmcmahan@...> wrote:
>
> I think there is a term for "buying a certified apprasal for
whatever
> value" you want. MIke McMahan 1996 42' Wanderlodge
>
> --- In WanderlodgeForum@yahoogroups.com, "Gregory OConnor"
> wrote:
> >
> > I was always able to buy a cetified realestate apprasial for
the
> > value I needed, I guess the RV guys are the same. I first
thought
> > stated value would be a fair way to buy insurance but I can see
> > problems with these overstated values making RV's flammable.
It
> is
> > crap like this that makes insurance a game and the security of
> > insurance expensive. Leroy and the other good folks of this
forum
> > who like having replacement insurance for 'pease of mind' end
up
> > paying for the few who abuse the plan.
> >
> > GregoryO'Connor
> > 94ptRomolandCa
> >
> > --- In WanderlodgeForum@yahoogroups.com, Leroy Eckert
> > wrote:
> > >
> > > I just obtained an agreed value policy through RV America. The
> > underwriter is American Modern. The agreed value is $107,761
which
> > is supported by an independent certified appraisal which I
> obtained.
> > > What makes all the work worthwhile is this. The independent
> > appraiser stated. "If you entertain trading this motor coach for
> > newer production model you would be making a big mistake. This
is
> > the nicest 18 year old coach I have ever seen." He also said,
if
> > kept in it's current condition further depreciation would be
> > minimal. For what it's worth.
> > >
> > > Leroy Eckert
> > > 1990 WB-40 Smoke N Mirrors
> > > Daholonega, GA
> > > Royale Conversion
> > >
> > > Dorn Hetzel wrote: I
> > was just in contact with explorerrv and the indicated they
didn't
> > have any agreed value coverage available for a 77. Oh well...
> > >
> > > Dorn Hetzel
> > > 77FC35
> > > Hogansville, GA
> > >
> > >
> > > On Thu, Mar 6, 2008 at 9:35 AM, Jack and Liz Pearce
> > wrote:
> > >
> > >
> > > --- In WanderlodgeForum@yahoogroups.com, "Dale B. Cooper"
> > > wrote:
> > > >
> > >
> > > > Looking for Insurance company, I am thinking of an Agreed
> Value
> > type
> > > > policy, any suggestions or recommendations.
> > > >
> > > > Dale Cooper
> > > > 84FC35SB
> > > > Painesville, Oh.
> > > >
> > >
> > >
> > > We use Explorer RV Insurance. http://www.explorerrv.com
888.774.6778
> > and Bob
> > > Isbell is our agent. We are satisfied with this firm. Both
our
> > Bird and
> > > Jeep are insured there.
> > >
> > > Regards,
> > > Jack and Liz
> > > Regards,
> > > Jack and Liz Pearce
> > > Fulltiming in a 1993 Wanderlodge WB40
> > > D'Hanis, TX
> > >
> > >
> > >
> > >
> > >
> > >
> > >
> > >
> > >
> > >
> > >
> > >
> > > ---------------------------------
> > > Never miss a thing. Make Yahoo your homepage.
> > >
> >
>

[John McGinnis]

--- In WanderlodgeForum@yahoogroups.com, "Gregory OConnor"
wrote:
>
> I was always able to buy a cetified realestate apprasial for the
> value I needed, I guess the RV guys are the same. I first thought
> stated value would be a fair way to buy insurance but I can see
> problems with these overstated values making RV's flammable. It
is
> crap like this that makes insurance a game and the security of
> insurance expensive. Leroy and the other good folks of this forum
> who like having replacement insurance for 'pease of mind' end up
> paying for the few who abuse the plan.
>
> GregoryO'Connor
> 94ptRomolandCa
>
Gregory,

I am sorry to disagree with you about selling a certified appraisal,
and I find it extremely unethical for anyone to do so. I will say I
know of real estate appraisers who are working for banks who may be
incline to push numbers more in the banks favor because the bank
wants to lend money to a specific borrower(that's why I no longer
appraise RE). That is just a matter of working with the right comps
to put the subject property in the expected target value range. As
for equipment, classic vehicles and RVs I work with several insurance
companies & lenders and my time is more valuable to me doing the job
correctly then it would be by sitting in court and having to defend
the appraisal. I hear clients almost on a daily basis who want a
specific value and it just goes in one ear & out the other. I can't
make their coach or vintage auto/bike worth more then what it is
actually worth. If a client keep harping about the value they NEED I
just put my bottom on the seat of my truck & head back to the office
because I know they are asking me to commit fruad. Divorce case
clients are the worst. My certifications & licenses are my
livlihood, I feed my family & buy fuel for my coach and I do it
ethically, legal and above board. I'm not saying that there are not
some out there who don't bend the rules but I believe if they value
their credentials they won't.
John McGinnis, Auctioneer/Broker/Appraiser, CAI, CES, CAGA
88FC35 Louisville, KY

[Mike McMahan]

John, Thanks for your comments. I too have great disdain for people
who commit acts such as this. I work for an insurance company that
is extremly proud of the fact that we have not had a justified
complaint with the state insurance department in over a year. Like
you my licenses provide a living for my family and the recreational
dollars to play in my coach. There are as you said two terms for
people who buy apprasals--fraud & prison terms. I simply tried to
say the same thing you did in a softer manner. Mike McMahan 96 42"
Wanderlodge

--- In WanderlodgeForum@yahoogroups.com, "John McGinnis"
wrote:
>
> --- In WanderlodgeForum@yahoogroups.com, "Gregory OConnor"
> wrote:
> >
> > I was always able to buy a cetified realestate apprasial for the
> > value I needed, I guess the RV guys are the same. I first
thought
> > stated value would be a fair way to buy insurance but I can see
> > problems with these overstated values making RV's flammable. It
> is
> > crap like this that makes insurance a game and the security of
> > insurance expensive. Leroy and the other good folks of this forum
> > who like having replacement insurance for 'pease of mind' end up
> > paying for the few who abuse the plan.
> >
> > GregoryO'Connor
> > 94ptRomolandCa
> >
> Gregory,
>
> I am sorry to disagree with you about selling a certified
appraisal,
> and I find it extremely unethical for anyone to do so. I will say
I
> know of real estate appraisers who are working for banks who may be
> incline to push numbers more in the banks favor because the bank
> wants to lend money to a specific borrower(that's why I no longer
> appraise RE). That is just a matter of working with the right
comps
> to put the subject property in the expected target value range. As
> for equipment, classic vehicles and RVs I work with several
insurance
> companies & lenders and my time is more valuable to me doing the
job
> correctly then it would be by sitting in court and having to defend
> the appraisal. I hear clients almost on a daily basis who want a
> specific value and it just goes in one ear & out the other. I
can't
> make their coach or vintage auto/bike worth more then what it is
> actually worth. If a client keep harping about the value they NEED
I
> just put my bottom on the seat of my truck & head back to the
office
> because I know they are asking me to commit fruad. Divorce case
> clients are the worst. My certifications & licenses are my
> livlihood, I feed my family & buy fuel for my coach and I do it
> ethically, legal and above board. I'm not saying that there are
not
> some out there who don't bend the rules but I believe if they value
> their credentials they won't.
> John McGinnis, Auctioneer/Broker/Appraiser, CAI, CES, CAGA
> 88FC35 Louisville, KY
>