Fellow RV owners:
1. Falcon, Skysmith, Gallagher, are all agencies. They do not write the actual policies, they do not set the prerequisites. They provide service.
2. Some actual insurance companies have a policy of issuing only one quote on a given airplane. So, if you go to, say, Falcon first, this company will not respond to subsequent inquiries from Skysmith (unless you submit formal paperwork, severing any ties to Falcon). If this company happens to offer the best rates, then Skysmith will not be able to match them.
3. You are generally best off picking a good agency, and sticking with them. When they find out that they?ve been pre-empted by another agency, they lose incentive to work for you.
Story: Some years ago I received my quote from Gallagher (pre name change). Others here on VAF were saying they got better rates from company X. I called Jenny and asked. She said, in their professional opinion, company X did not meet their financial standards, and she would not recommend them. Eight months later company X folded, and left their policy holders scrambling to get coverage. IMHO this is the kind of knowledge and service you should be looking for in a broker.