I have had all three of my fifth wheels insured by USAA and have had 3 claims over the last 10 years.
First claim was when the 1st rig was new and I cut a corner too close and scraped the roadside all along a trailer next to mine at the storage facility. Repairs were $2800 and handled with no problem.
Second was for hail damage from a storm and since the RV was a few years old by then we took the settlement ($3000+) and banked it for when we bought new. Interestingly, the hail damage became less apparent over time and was barely noticeable by the time we sold it.
Third was last fall when the water heater ignited and caused a fire under the cabinet. Luckily we returned to the rig and caught it before it started the cabinet on fire. Still, replacing the water heater, replacing some of the flooring, and redoing the tank sensor system which melted came to about $2,000.
All of these were given to a local adjuster who pretty much goes along with the estimate of the RV dealership, since they are not experts on RVs. All were handled quickly, courteously, and to my satisfaction.
We have almost everything insured with USAA (home, cars, RV, life, etc.) and are very pleased with the prices and the service. The only thing we don't insure with USAA in an ATV and a motor scooter - they aren't set up for those and the rates were based on the smallest car - still too high!
Joe & Barb
2016 Winnebago Vista 31KE
Shoreview, Minnesota
Sun City Center, Florida
