My long-time (38 yrs) State Farm agent discouraged me from going with them when we switched from the old gas coach to the Beaver. He was right, and the club-associated GMAC policy was best coverage and price, even though everything else, house, pickup and toad, boat, life, umbrella, etc. are with SF. The old motor home was with SF, but a new diesel was a different ball game for them, and not their "field of expertise", even though they could have written the policy. The liability suspension feature while stored means our actual cost is about $400/yr. It was over 5 yrs. ago so I may be recalling wrong, but I think that is where the SF policy was lacking on the Beaver, even though we used a liability suspension feature with SF and the old rig.
Joel