This possibly the most important video you have made, most of us take for granted insurance but not exactly what is covered. Our rv is not worth nearly what your loss was but to us it is everything, time for a chat with insurance guy
Andrew, my apologies that this unfortunate incident occurred, but here is the silver lining, the best part of the story. You have chosen to share your heart and soul to the rest of the RV Community through this video, the teacher begins. The lesson learned is now being taught by you to the rest of us, hope all are listening. I did... and now have learned and moving forward, paying more attention to our RV and its needs, especially our Insurance Coverage. My sincere thanks for introducing us to Marty. Wow, had no clue how under insured we were. After talking to Marty, we are now insured appropriately and within our budget. We have so much more coverage, over doubled, as FTers. Our cost was roughly the same as our grossly under insured policy. Marty is a true professional and knows the RV insurance business. What is truly unique about Marty; He truly cares about you being taken care of and properly insured. What a great concept and a missing piece in today's world. So if you have any concern about your insurance coverage, do yourself a favor and contact Marty. And... Thank You Andrew for being honest about your situation and finding Marty for all of us. Well Done !!!
An RV salesman I met who sold high end RV's like the ones country music stars travel around in told me it doesn't matter if you buy a 50K RV or a 2 million dollar RV, you are going to have problems galore for as long as you own it. He said the quality control on all of them is non existent. From electrical problems to water leaks to A/C units freezing up, it never ends. The problem is too many people involved in the assembly, and too many company's who make the TV's, slide out motors, refrigerators ETC.. The more of such items in the RV, the more problems you'll have.
Andrew, it takes courage to swallow one’s pride to benefit others. I appreciate the valuable information and hope we can get to the root cause of the fire. I’m thankful you two were not injured. Take care, Jeff
Andrew, I appreciate you sharing your personal endeavors regarding this devastating time. It’s real-life situations, like this, that truly help others. RV ownership is completely different than owning a truck or car. You have opened my eyes and I will definitely be reviewing my policy to make sure my RV and family are protected properly. Thanks again! Looking forward to your next RV!
Always insist upon a high value of uninsured/underinsured motorist coverage. These are the people, who have no insurance or have no license causing over half the accidents!
Hi Andrew, I just stumbled over your video. A few days ago I had Proteng Fire Protection installed, and my entire 5th-wheel is now protected wherever applicable. It wasn't the cheapest thing to do, but it sure makes me feel safer!! Thank you for this video, I shall double-check specifics with my insurance - very helpful! I am glad you got so much help from the community. Safe travels with your new rig.
Why the censorship at 5:16? Glad nobody was hurt. Luckily you guys had some insurance coverage, even if it wasn’t for the actual value. We appreciate the awesome tips and advice on making sure we are getting the coverage we truly need. Stay safe.
Great info!!!!! This is very useful. Most of us out here with RVs are just learning as we go so I really appreciate this type of insurance information. Thanks Andrew!!!!
Andrew, I came across your video researching RV fire prevention and mitigation for my design. I truly appreciate your courage to share the mistakes, which most people in this world are not willing to do, for the benefit of others. Liked and subscribed. Thank you.
Hi Andrew, this is Luis Urbieta and first of all I want to thank you for your educational videos you put out each day and you're the RVer's Disciple. Second of all, there will never be a perfect RV and I know and I feel your pain because RV's requires a lot of work but I'll keep you in my prayers. Plz reply to my comment.
Thank you for being so open about your RV and the insurance you had on it. We are newbies at this and are looking for an rv. You mentioned you may do more videos on insuring an RV ...that would be great information for us and I'm sure other viewers so please do so. Thanks so much for all your information! 😊
I completely agree, Karen. Hubby and I already know which RV we're ordering. I can't tell you how much I appreciate Andrew's releasing this video! He really should post more about insurance coverage, etc. Like you we could benefit from more on the subject of RV Insurance from all angels and research more before hiring an agency for coverage!👍
Great Video Andrew! Always very useful information to explain the Do' and Don'ts of Insurance, because it's something that can get very complicated!! Hoping that you will do some additional videos on this all important subject!!
Hey Andrew. Sorry again for this whole event but glad you and Shay are doing well. I think another video about RV insurance would be excellent. I have been in the risk management and insurance industry for over 30 years and am in charge of a complex insurance program for a $6B a year entity. In general, consumers really have no idea of what their policy does and does not provide. It’s written in such legaleze language that it’s overwhelming. It’s so confusing that there is an entire legal industry that does nothing but interpret insurance coverage as well as litigate coverage disputes. That’s how bad it is. All too often, the policy holder doesn’t find out what they had or didn't have until there’s been a big loss, then it’s too late. It can be devastating. Take care!
You are absolutely right My Friend. It is written in such Confusing Legalese, that sometimes I'm convinced that the Insurance Company that wrote it has no idea what it says, LOL!!🤣🤣🤣
Every time one insures a vehicle or RV you have to consider what you are prepared to pay for annual coverage. It is easy to say it should have been insured for more, now that you experienced a loss-but would you have been willing to pay the higher premium of $170k plus contents of $40k. Your premium would have been at least 1/3 higher than what you paid. I have not met a person yet that says they would like to pay higher premiums (until they experience a loss). Sure wonder why RU-vid subscribers would assist you with the loss-people experience what happened to you every day and don’t get assistance, so I bet you are pleased. You are a very fortunate person, Andrew!
I have to agree with you on this. Everyone would love to be covered for more on their insurance policies when buying insurance. But, when they start telling you what the cost will be, most opt out and stick with the minimums. The only recommendation I have is to get some insurance on the personal items in your RV. We have a travel trailer and I purchased $2,000 worth of personal items coverage in additional to everything else. It's not much coverage, but if my trailer went up in smoke, at least it would take a little pressure off of having to purchase new stuff.
THANK YOU Andrew , I'm so sorry for your loss ! But Thank you so much for bringing this up IT IS VERY IMPORTANT INFORMATION and maybe deserves a episode all too itself with your New insurance agent. These vehicles are The MOST EXPENSIVE things we will likley ever buy , next to a house maybe and our insurance needs to be looked at with a fine tooth comb. Just as one would do with home insurance. Many of us live full time in our rigs and EVERYTHING we own is inside and needs to be considered in full replacement cost not actual saleable price . Things like tv's ,clothes, computers, camera equip, even tools, these things are hard to replace with used goods bought at garage sales or flea markets. Their full new value has to be the insured value. ?And yes I will be going thru my ins again to be sure that I would be ok if the unthinkable happens. CHEERS AND SAFE TRAVELS Steve h.
Thanks for the update Andrew. My wife and I have been waiting to hear your status as we noticed you haven't replaced your rig yet. This info is hugely valuable! I immediately went back to my policy and notices that there is no "stated value". Only "original purchase price" - which was wrong! I called Marty's company and had to leave a message. I would love to have him give me a quote to compare to what I currently have. I hope you get this sorted out soon and can get back on the road. Love your channel!!
Andrew you're always going to successful because of your honesty . That same honesty you always give your customers will always guide you to success. I'm so proud to follow your RU-vid videos.
Hey Andrew, thank you for your openess and honesty with this video. I think this will be one of your most valuable videos. People will be made whole a lot better from this video if someone else has to go through this. You're a good dude for doing this. Bless you bro.
Andrew thanks for sharing this video. Very informative. When we started this rv lifestyle we insured our coach and all our personnel belongings inside. Like Marty said its something you get & hope you never need. Have a great day my friend.
Marty seems to be very educated with RV insurance and I would definitely go with him opposed to a regular insurance person with no knowledge of RVs especially the value.
Thank you for this information! I cannot tell you how many times business owners under-insure their business assets because they don't consider replacement cost in a catastrophic situation. Very helpful! So sorry for your loss and appreciate that you took the time to disseminate this knowledge to those of us who are considering RV purchases.
Hi Andrew, from Ouray Colorado...I am still sickened that this happened to you two. I am so thankful, though, that neither of you were physically hurt! Thank you for this informative video!! I will need to renew my travel trailer policy in December. I will give Marty's tram a call! Safe travels!
I'm calling Marty , my current provider would not insure my contents for more than $5k and the Liquid Springs they would only cover the cost of product itself. The labor alone was $9k! So yes the right insurance matters. Andrew It would be cool to do more informative subjects like this one.
Thank you Andrew for making this video and if you do make some more updates. This is a big big issue for almost every RV'er out there on the road. I hope that this never happens to any of us but we see it all the time. It worries me a lot. I'm getting rid of everything I can that using propane. I can't do much about electrical stuff other than not do anything half ass. If I don't know what I'm doing ill get someone who does. Its not worth something burning down around me because of something I did.
Thank you for Sharing ❤️. I'm glad you received your insurance check and didn't have to wait another couple of months.. some people I've heard have had a very long time. Hopefully you find an even better coach soon!
We can put a man on the moon, but we can't make wire insulation that deters mice from snacking on them. I had a mouse crawl up into the control box of my brand new $25,000 woodmizer saw mill and spend the winter. In the spring the mill control panel would not powerup. When I opened it up, I wanted to cry. The wiring harness was almost as thick as my wrist with dozens of wires. About half were chewed on or chewed all the way through. It would have cost me thousands of dollars to have Woodmizer put in a whole new wiring harness, so I bit the bullet and did it myself. Why we can't discover a smell or taste that repels mice is beyond me.
Thank you for sharing. Keeping it real is why you have the followers you do. So many people will be better covered as a result of this video. Shout out to you for bringing in an expert.
My dad ran a small insurance company . He said most people undervalue there personal property, and replacement cost.this is very good information . thanks for sharing.
Andrew, the insurance game, and (yes, it is a game) works both ways! The only thing you did wrong, is not having towing and contents coverage! Value's of MH's go up and down, and right now they are very, very high! If your fire would have happened any other time before or say next year, a current value may have been 75K! What I am trying to say is, stated value is the safest way to recuperate the money you have invested in your coach! Don't beat yourself up! But when you insure your next coach, remember the contents and the roadside towing coverage!
As a property adjuster, you may have coverage for your personal property if you had a homeowners or renters policy which often covers your personal property anywhere in the world, even in an RV.
And thank you for sharing all this information because I have a 40 foot diesel pusher and I have AAA now I’m gonna go and find out what coverage that I have in my RV
Thanks Andrew for the update. Much like your situation, my insurance deal is exactly the same. I pay about $540 a year but my coach is covered to around 75k. I need to up that value with all the money I threw into renovating and mechanical replacements. This is a wakeup for sure. I do have CoachNet for towing but not sure if they would tow my coach if it had burned. I will definitely call Marty and get a quote. Seemed as if my family insurance guy as nice as he is, really doesn't know how to deal with RV's when we started the policy. I was ignorant and wrote the annual check. Stay safe my friend!
That was an information packed emotional video and you got me thinking first thing I’m going to do is check out my policy and the replacement value that I have on my coach. Thomyt
I have had Farmers insurance since I was in my mid 20's. All my houses, cars, and RV's have been insured by them since. I could not be more happy with them. It's not always cheaper but they are there when something comes up. I get a call from my agent minutes after an accident.
I know this was a difficult video for you to make. I'm so sorry that you suffered more than you originally thought. Thank you so much for sharing this with us. I will be reviewing our policies.
Wow Andrew, that insurance agent sure took you to the cleaners. I learned a long time ago to base all of my insurance on replacement cost & to include towing no/low deductible, because Murphy is always lurking when you have the least amount of cash available. Thanks for posting this, so others will learn to insure their rolling stock properly!😎
I disagree. The agent didn't take anyone to the cleaners. He provided exactly what he was asked for. Andrew admitted HE made mistakes. I'm sure the agent would have been very happy to insure it for more money since his commission would have paid him more money.
@@trustme7731 - The agent is to blame, if they didn’t offer advice on their products. I’ve been down that road & I’ve had horrible agents that offered nothing & great agents that help guide one to make the best financial decisions BEFORE something happens. If you don’t know, you don’t know. It’s totally another thing if one refuses the correct coverage.
@@cmdrdarwin3682 It's no different than insuring a car, a home or anything else. They all have a market value and a purchase price and contain personal property that may need riders. Again, he admits to making a mistake. He certainly knew the market value when he paid $60,000 less for it. The fact is that VERY few people ever read their insurance policies where everything is clearly spelled out.
Insurance policies do not clearly spell out things that the average person can understand them. You need an honest insurance agent to guide you and explain your options.
@@trustme7731 - You just proved my point. If an agent doesn’t explain a policy so that one can understand what it covers & what it doesn’t, the agent is at fault.
Hi,Andrew just goes to show that even a seasoned pro’s like you and Shea,can get caught out I hope you bounce back from these mistakes.love watching your vlogs you knowledge is overwhelming in the RV Industry
Marty is actually a pleasure to deal with. He's super knowledgeable and wants what's best for you. We signed with him about a year ago. Thanks for sharing the information, Andrew and i look forward to hearing what actually happened.
In a funny turn of events, this video made me double check my RV policy (we’ve been on a 4 weeks road trip) and guess what - it was lapsed!!! Got it fixed right away. Sorry about your RV Andrew, but you certainly saved mines
It’s the same with home insurance. Insure for reconstruction cost not value. And contents are anything not fixed in place and schedule and specifically insure any item that has a “value” (usually worth more than 1000). So jewellery, tvs, tech stuff etc. what Marty said applies to home insurance too.
Andrew there was a lot of good information in this video, thanks for sharing it .. it’s been said maybe to the point of cliche that we are all glad u guys are alright .. we personally have a family member who was lost in a fire some time ago and that isn’t recoverable .. take care
Andrew, First of all, Joe and I are extremely sorry to see you having to deal with this grueling situation! Thank You so Very Much for sharing your personal and raw experience after the fire and the insurance issue you're going through. I can't express the absolute need to share what real folks go through with the insurance adjuster and what actually came from the company. You can never be too safe in making sure you are covered for everything from the rig to all of your personal belongings, the tow and storage fees you will more than likely incur. The other issue some folks with older rigs face, 10+ years old is trying to get insurance policy for it. I've heard and read where people looking to buy an older rig and getting insurance quotes, one of the first question asked is "What is the age of the motorhome?" Anything 10 years and older they won't even offer a policy. It's a shame really. After seeing what you and Shea are going through it's really a sad reality motorhome owner's are facing. Thank You again for sharing your life altering experience. It's something we can All learn from. Here's a hug ❤🤗❤ for you, Shea and the pup's!
This was interesting moreso for the comments. A lot of time when we move forward with our adventures we make purchases we can afford and that includes our insurance. When tragedy strikes its always at an inopportune time,in this situation no-one was hurt. Andrew is moving forward and will find a better motor home and be better prepared. If we didn't have setbacks life would be boring and we wouldn't appreciate what we have. Good LUCK moving forward Andrew and may God Bless you.
I went through them for my insurance on my rv and he is excellent to deal with he explained everything to me just like he said line by line making sure I am covered should I ever need it.
Wow your personal story , you are the best It takes a lot of guts on your part to share Your personal story , I have following u since u started , I trust you very much . My next Rv is going to be purchased at the Motorhome store with Brad
Yeah shame on that insurance person for not ensuring the value opposed to what you paid. Sorry I know he's a friend but not a very good insurance person on your behalf so sorry this is happened to you.
At least 2 agents told me that purchased value is all they would ensure mine for without an inspection report from an inspector. Thats not an easy task in older rigs.
@@RonMDavis Sorry but due diligence get an inspector before you buy a used RV regardless of insurance if you don’t you’re asking for a pile of problems. And within doing that you get the value it’s simple
Great Video. 👍 transparency right there. So glad The community stepped up for u both. That still scares me thinking about that video when I first saw it. Let's put this behind u and step up to the new Coach I can't wait to see what u both end up with next.
Man, I'm sorry you lost your RV. They don't make them like that anymore. I do wish you the best of luck. I'm glad nobody was injured. I had a similar conversation with my insurance agent. He wanted to know what we paid for it. I didn't tell him. We went from the book value. What you paid is irrelevant. If you bought the Hope diamond for 500 bucks, that has nothing to do with it's insured value.
Thank you for sharing. You learned an expensive lesson. That agent should have insured at the RV's value, included towing, personal property at replacement cost and alternate transportation until you received your payout. That is just basic insurance knowledge. Please go elsewhere for your future insurance needs.
Very sorry to learn of your situation. I think as you get older and have owned more things you learn about insurance companies and coverages. Home owners, boat and RV's all required informed coverages. Contents and special items, money, jewelry etc. are all to be considered. Right now home owner insurance is a fluid thing. Material costs, inflation, property values are in a very fluid situation. It could have been worse! You guys are safe! The old saying of " experience is what you get when you don't get what you want" seems fitting here. You definitely got experience on this one! Very good that you shared this with your audience. Hoping you will find your way back into a new Coach in the near future. You are so busy traveling from place to place I'm not sure you have time to use an RV for work?
Andrew; a couple of years ago I chastised you for saying the "least expensive " rig on the lot was "the cheapest" and for calling the bathroom "the head" and you responded by saying that's what the "lot dogs" all called it. You have grown professionally and personally since that time, as has your subscriber base. If you want to become Robin Leach with "Lifestyles of the Rich and Famous" you have to move up to the professionalism and verbiage of that clientele - and you have. Thank you for the transparency of the fire and the insurance situation, your working with the dealers and the high-end resorts - and the costs of both. And best wishes to you and Shaye (and the dogs). Where's the Sadie Lady? How is the lot in Montana doing? All the best.
Thanks for this information about insurance. I am planning to buy an RV sometime in January. This will be helpful, and I saved your insurance guys information for when I do.
That's what circuit breakers are for, to prevents short ckt fires. Most likely it was a high amp 12-volt system caused fire, but you can also have 115vac ckts heat/smolder flammable material and cause a fire. Inverters, frigs, ACs, water heaters and improperly installed (unfused) owner audio and solar systems are also suspect if not an engine caused fire.
You only paid $110,000. You got what you insured it for. If you would have had a towing Policy (Coachnet) They would have paid tow. If you would have had it insured for $175,000 you would have paid more for policy. That's why most folks only insure for what they have skin in the game. There ain't no crying in RV ownership as it's all a wash.
Sure wish it didn't happen. Hope we all can learn from this tragedy. Thank you very much for this difficult video. Wish you and Shea well. Happy trails!
Shame you had and probably relive this disaster but kudos for using it to open discussions and providing informative content that aren't generally addressed in such straight forward and stark reality. If it hasn't been addressed as yet, can you engage expert(s) to cover what any of us could have done to possibly fight the fire - safely and short time only - once it's realized that it was actual fire and not just normal overheated item(s). Best is to have great insurance in case of major loss and get out alive and unhurt - and don't get hurt trying to fight it beyond experience and training.
Thank you Andrew, this helps us out here and you are so humble and transparent. Again, your misfortune will help us be better for it... prevention is power.
Well thank God you and family got out of your RV alright. Don't worry about the insurance thing we live, experience life (in a negative and positive way), and we learn. Don't beat yourself up over it. I know it was a horrifying experience for you though. You continue to make those incredible videos and keep us entertained. 😉
Insuring an RV is most like insuring a house. With home insurance you also insure the contents of the home, including special contents that you want to add additional coverage, say like a gun collection, art work etc.
Underinsured, yup, most of us are . The fact that to afford the insurance you have to take the higher deductible which is another thing that bugs me. Insurance co. know you need them and make tons and tons of money and i never feel sorry for them when they have to pay out .And they always try to get out of paying. Ever notice the fine print? Oh, and are they going to raise your premium now? Insurance is and always will be the biggest scam in America.
