We switched to Nationwide a few years ago also and saved quite a bit of money. We have a class A and as you know most of the premium comes from the Comprehensive and Collision coverages. Depending on the year of your RV you have several ways to insure the RV. You can use Total Loss Replacement if your RV is less than 5 years old and is totalled, you will get a new RV of similar kind and like (premium highest this way of course),for RV's older than 5 years you can use Agreed Value that insures your RV at today's value without taking into account depreciation, this would be a way to insure for the amount you owe the finance company when it is close to the low retail amount (you are not under water and would get enough to pay off the loan in a total loss). Last way is Actual Cash Value, the amount you would get for your rig taking depreciation into account. Just remember you will always have to have a rating basis equal to the amount of the loan to satisfy the finance company but it depends what you expect to do if you have a total loss. As for Florida assessments recently it is because of the Hurricane Assessment that charges 1% of all other premiums added together, not much of an impact overall as on $1000.000 premium it adds only $10.00.
