Insurance for full timers

[ajacobs1112]

We are just about to enter the world of full time rving and was wondering if anyone can shed some light on insurance. Any information would be helpful. We will be using a fifth wheel and based in two and at most 3 places in the first year. Thanks in advance for your input.

[Aridon]

CC-skipjack wrote:
I guess I must be missing something. I'm not full timing yet, but plan on keeping my S&B home when I do. Right now my RV is covered by auto policy while towing and by the home owners policy when not. The auto add on is less than $100/yr and no additional on the home owners. So if one still owns a S&B house, why the need for the what seems to be expensive additional policies?

When towed it is covered for Liability only. No physical damage coverage on the RV unless you are paying for comprehensive and collision on the fifth wheel.

Same thing when parked. Home will cover liability but not damage to the fifth wheel itself.

Regular policies very tremendously with ACV, replacement cost or stated value coverage for the fifth wheel but the common theme between "full time" and regular policies is including liability insurance similar to what a home provides. No home, this coverage is more important. Personal effects as well although I've seen more and more standard policies including this now as opposed to just full time ones.

[DianneOK]

I would say yes, but who am I ?

[Diana808]

TechWriter wrote:
Typically, "full timing" means someone w/o a S&B.

CC-skipjack wrote:

So if one still owns a S&B house, why the need for the what seems to be expensive additional policies?

You don't.

How about if I keep my S&B and rent it out? Am I considered a full-timer?

[azjeffh]

CC-skipjack wrote:
I guess I must be missing something. I'm not full timing yet, but plan on keeping my S&B home when I do. Right now my RV is covered by auto policy while towing and by the home owners policy when not. The auto add on is less than $100/yr and no additional on the home owners. So if one still owns a S&B house, why the need for the what seems to be expensive additional policies?

When we still had our S&B our homeowner's insurance did not cover the trailer, hence the additional policy.

[Beerboy]

TechWriter wrote:

CC-skipjack wrote:

So if one still owns a S&B house, why the need for the what seems to be expensive additional policies?

You don't.

Depending on your travel plans you will want to make sure your policies cover your RV for extended periods out of state as well as 12 months of the year. Some policies limit coverage to trailers that not out of state for more than 6 months while others only offer 3 season coverage for some perils. You just want to know your policy details to keep yourself protected.

[TechWriter]

CC-skipjack wrote:
I guess I must be missing something. I'm not full timing yet, but plan on keeping my S&B home when I do.

Typically, "full timing" means someone w/o a S&B.

CC-skipjack wrote:

So if one still owns a S&B house, why the need for the what seems to be expensive additional policies?

You don't.

[BarbaraOK]

CC-skipjack wrote:
I guess I must be missing something. I'm not full timing yet, but plan on keeping my S&B home when I do. Right now my RV is covered by auto policy while towing and by the home owners policy when not. The auto add on is less than $100/yr and no additional on the home owners. So if one still owns a S&B house, why the need for the what seems to be expensive additional policies?

Fulltimers policies are for people who REALLY ARE FULLTIMERS. They have no S&B, no homeowners policy, thus the requirement for additional insurance. Since you are going to keep your S&B, you will not be a fulltimer and thus do not need to extra insurance.

[CC-skipjack]

I guess I must be missing something. I'm not full timing yet, but plan on keeping my S&B home when I do. Right now my RV is covered by auto policy while towing and by the home owners policy when not. The auto add on is less than $100/yr and no additional on the home owners. So if one still owns a S&B house, why the need for the what seems to be expensive additional policies?

[ajacobs1112]

Thank you all for your responses. I decided to go with Progressive and they were very helpful, explaining and answering all my questions.

[Luminara42]

I had a similar question. I am going to be living in my new trailer full-time but it will be stationary for about a year before I start traveling. I am having a hard time finding insurance that will even offer my coverage because the trailer is stationary, even though I'm keeping the wheels on.

Any suggestions? I've heard good things about Miller but I haven't had a chance to contact them yet. I would prefer Progressive because I would get a discount through my own bank (USAA) but they are denying me coverage.

Any help would be greatly appreciated! Thank you!

[jpmihalk]

We just updated with Foremost and they quoted Progressive as the best combination of coverage and price for full timing in South Dakota per our needs. We were previously with Brown and Brown of Kentucky through Foremost.

[Rice]

For those of you using Geico, are you fulltimers? If so, does your policy have the fulltimer liability portion? When I shopped in Texas, Geico said they had fulltimer insurance, but it didn't include that liability portion, and I read about someone in South Dakota who had the same issue.

And I'm not asking if Geico sold you a fulltimer policy--I'm asking if you have this exact element of coverage (it will be specified in the itemized list of coverages).

[jorbill2or]

We used miller .. Noted above and also overland to quote us prices on a full timer policy. Miller agency is in Oregon ( where we are from ) but writes and represents many states These are independent agents. There are only 2 or 3 actual insurance companies that write true "full timers" insurance that includes the personal liability component that you old homeowners provided and the true full time use. The actual company we ended up with is Progressive
Many companies write extended use policies they may call "full time" for your RV but the are more for snowbirds that still maintain a home base .. And the insurance on that home base provides your liability portion. That policy allows you to use the RV year round with no "winter layup" clause that most Rv policies contain but not constantly
Full timer Insurance rates are of course higher as you don't have a stick home .. But then of course you don't have that stick home policy to pay also. Rates are a combination of location , driving record , age and credit report. So very hard to compare someone else's policy

[kerrlakeRoo]

Captain_Happy wrote:
Just like any other insurance, they quote a low price to get your business then the next year here comes the rate increases. My Progressive policy jumped $150.00 this year. Time to start shopping again. And when I was with Geico they did the same thing.

I do the same. It's about a 3 year cycle, for me its,,,,
Geico
Progressive
USAA