Canada Full Time Insurance?

[fredlef]

Any Canadians here that can offer advice on insurance for full timer? I am in Ontario and when we moved into our MH in 2014 State Farm (Certas) gave me a contents policy for my stuff. I need $25-30K. They notified me last week that they would no longer provide content as a separate policy - only part of homeowners insurance. This cancels in March. Since then I seem to be hitting a blank wall. I had a broker here see if she could find something with no luck. Oddly the one insurance company she did find - Wayfairer does provide a contents policy but only if you are retired! How that factors in I have no idea but I am employed full time working from home so that is not an option for me.

Any ideas appreciated.

Thanks

_________________
Fred and Kay
2014 Allegro 31SA
TOAD - 2011 CRV
Chieferbird and Chicobird at MIL until we figure this out
Coral (Long Hair Jack Russel umm Maybe) adopted in Fort Myers March 2015
Homeport - Ontario

[fredlef]

JaxDad wrote:
Not that I would advocate trying to pull the wool over the eyes of the insurance company, those poor folks can barely scratch out a living, but if you had a family member or friend who would 'rent' you some space I think you'd find that a basic 'renters' policy would cover your possessions even if you happened to be on the road taking your 2 weeks annual holiday in your m/h when something happened.

Thanks - I thought of that too. My broker said that would work but only so long as the motorhome was in the driveway and that I was using the motorhome for storage. And it would only cover up to about 5K. 5K isn't much for a full timer. This is really a rock and a hard place. Since we use my Mother in Law's address as our residence - and we are essentially here looking after her - I am going to meet with her insurance next week to see if we can get on her homeowners policy.

[JaxDad]

Not that I would advocate trying to pull the wool over the eyes of the insurance company, those poor folks can barely scratch out a living, but if you had a family member or friend who would 'rent' you some space I think you'd find that a basic 'renters' policy would cover your possessions even if you happened to be on the road taking your 2 weeks annual holiday in your m/h when something happened.

[fredlef]

Tripalot wrote:
How did you make out with your insurance coverage?

Nothing yet. I tried the tactic that the motorhome is in my wife's name and she is retired. Wayfarer said it didn't make any difference - that all regular occupants had to be retired.

i am making some more calls this week but not optimistic.

Thanks

[Tripalot]

How did you make out with your insurance coverage?

[fredlef]

road2002runner wrote:
Try TIS in Newmarket has toll free - google TIS.

Thanks - I'll check it out.

Fred

[road2002runner]

Try TIS in Newmarket has toll free - google TIS.

[fredlef]

Tripalot wrote:

fredlef wrote:

almcc wrote:
I would check with Wayfarer Insurance brokers, they are owned by Aviva. They specialize in RV insurance and I've had good service from them.

***Link Removed***

Thanks - I tried Wayfarer but they will only cover contents if I am retired. Do not understand what that has to do with anything.

From your original post, it appears you had a broker contact Wayfarer Ins.
If I were you, I would contact them directly myself - that way you can ask
questions and get explanations. They deal with Aviva.

We have had great service, including claims , from Wayfarers.
1-800-461-0318

Yeah - that is a great idea and I am going to follow up on it.

Thanks,
Fred

[fredlef]

My broker just called with a quote from Aviva Elite but they would not do my contents - apparently because I am employed. I will call them myself to see if I can glean any additional information.

[Tripalot]

fredlef wrote:

almcc wrote:
I would check with Wayfarer Insurance brokers, they are owned by Aviva. They specialize in RV insurance and I've had good service from them.

***Link Removed***

Thanks - I tried Wayfarer but they will only cover contents if I am retired. Do not understand what that has to do with anything.

From your original post, it appears you had a broker contact Wayfarer Ins.
If I were you, I would contact them directly myself - that way you can ask
questions and get explanations. They deal with Aviva.

We have had great service, including claims , from Wayfarers.
1-800-461-0318

[fredlef]

almcc wrote:
I would check with Wayfarer Insurance brokers, they are owned by Aviva. They specialize in RV insurance and I've had good service from them.

***Link Removed***

Thanks - I tried Wayfarer but they will only cover contents if I am retired. Do not understand what that has to do with anything.

[fredlef]

netjam wrote:
We have Aviva Elite which offers contents and fulltimers (rv is only residence). Available from most brokers.

Thanks - I'll check them out.

[almcc]

I would check with Wayfarer Insurance brokers, they are owned by Aviva. They specialize in RV insurance and I've had good service from them.

Link

[netjam]

We have Aviva Elite which offers contents and fulltimers (rv is only residence). Available from most brokers.