LAKE OSWEGO, OREGON -- I purchased an RV and planned to live in it full time. I wanted to be fully covered so I called many companies to make sure I got the right insurance. I spoke with [snip] 3 different times for over 1 hour total. He promised me that he knew how to insure a full-timer. I told him everything we had in the RV to make sure we were covered. He had me purchase an additional $10,000 Full Replacement Cost coverage for my computer and ham radio equipment on top of the full coverage policy. I believed him. 6 months after I purchased the Progressive policy from them, I was parked next to a building that took a lightning strike. The adjuster came out to look over all our ruined electronics. I had $6000 worth of damage. I was glad I had purchased the extra insurance. But WAIT! $10,000 FULL REPLACEMENT COST does not mean $10,000 full replacement cost. It ONLY means UO TO $2,500 per category. AND It only means UP TO $1000 per item!! What a surprise. They would only pay me $3000 for the $6000 in damage no matter that I paid for FULL replacement cost.
This company is a rip off either because they don't know how to insure people or they are dishonest about it. I wanted to make sure I was covered. [snip] did not take care of me. They said there was nothing they could do and I should buy more coverage in the future. Buyer beware.