P1000 Insurance price

[Montecresto]

A little bit of your time can save you some good money. I try to beat up pricing at least once a year lol

My recollection is that my insurance is lower than what most have posted here so I just want to be certain I’m properly insured...

 

[Admin]

 

[Montecresto]

Farm Bureau, about 200 yr for atv and P500.

Do you know how much of your mods/accessories are covered?

 

[thevinylcreator]

Do you know how much of your mods/accessories are covered?

I dont know the number off the top of my head, but its up there. I have more money in add ons on my unit than I paid for the unit new.

 

[Montecresto]

I dont know the number off the top of my head, but its up there. I have more money in add ons on my unit than I paid for the unit new.

Yeah, that’s where I’m at. It seems prudent to know for certain so I’m going to shoot an email to my insurance companies and see, then make adjustments/changes if they are in order. Just another benefit of the forum, keeping things like this on the front page....

 

[CumminsPusher]

Do you know how much of your mods/accessories are covered?

2000$ on ours. You can add to that if needed.

 

[Montecresto]

2000$ on ours. You can add to that if needed.

Yeah, that wouldn’t touch my P5, that’s why I’m checking....

 

[Jdiehl7]

Full coverage on my p1k-3 was quoted at $75-98 a month depending what deductible I chose. Liability only was $25 a month


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[CumminsPusher]

Yeah, that wouldn’t touch my P5, that’s why I’m checking....

Wouldn’t pay the taxes on accessories for ours lol. But they do allow you to add to that number and if rig gets totaled you can pull anything you want off the rig

 

[Montecresto]

Wouldn’t pay the taxes on accessories for ours lol. But they do allow you to add to that number and if rig gets totaled you can pull anything you want off the rig

Well, within reason. If it’s totalled by fire, not so much. Except for @Chooglin glove box, they passed the burn test already lmao....

 

[CumminsPusher]

Well, within reason. If it’s totalled by fire, not so much. Except for @Chooglin glove box, they passed the burn test already lmao....

Well as Honda owners we don’t need to worry about fire if the intake is tight.

 

[Montecresto]

Well as Honda owners we don’t need to worry about fire if the intake is tight.

Well that’s true 99% of the time apparently. Remember, I’ve got a ten year old Polaris with space shuttle miles on its original belt and brakes, no fires.......too!

 

[TimG]

I believe right at $300 a year for just sxs. Full on and off road coverage, Pekin ins. Pekin IL. Everything we own is insured thru them,house,autos,sxs, ect...

 

[Davy]

I pay $42 a month thru gieco for full coverage on the pioneer 1000 and a sportsman 570 that $3000 accessories on both machines also

 

[Average_Joe]

we pay 500 a year we get full reimbursement for our accessories in the event it gets totaled. I get full price back for my lift kit, rims/tires, winch, roof, windshield, soundbar etc just have to provide proof of purchase.

 

[sharp]

insurance companies should reimburse for the accessories as long as you have the receipt from my experience.

 

[Montecresto]

just have to provide proof of purchase.

Oh s***, hadn’t thought of that.
Another thing for me to go find hopefully if those receipts haven’t all faded to obscurity. And then scan them for posterity.

 

[Montecresto]

insurance companies should reimburse for the accessories as long as you have the receipt from my experience.

That’s the kicker. And our time installing them, right sharp.....

 

[Montecresto]

we pay 500 a year we get full reimbursement for our accessories in the event it gets totaled. I get full price back for my lift kit, rims/tires, winch, roof, windshield, soundbar etc just have to provide proof of purchase.

What about depreciation verses replacement benefit. Something else I’m going to check with the insurance company over.

 

[sharp]

What about depreciation verses replacement benefit. Something else I’m going to check with the insurance company over.

The insurance from progressive that I have covers total replacement for a brand new one within two years.

 

[Montecresto]

The insurance from progressive that I have covers total replacement for a brand new one within two years.

Within two years of purchase? Then what after that?