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Old 05-10-2013, 08:05 PM   #1
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Full-Time RV Insurance: Who Do You Use?

Realizing that we need full-timer RV insurance because the regular comp & collision does not cover you when your "unhooked" ... Just starting my research and would love to know who you use for your full-timer RV insurance and what options you choose and why. I've been told that full-timers insurance is basically like a homeowners policy for your RV.

What's your experience? Who did you choose?

I received a quote from "National Interstate" which I thought was reasonable. Covered comp and collision with a $250 deductible, contents up to $5,000, Displacement insurance if there is an accident and you need to stay in a hotel, medical payments and a diminishing deductible.

Also was told by Progressive that they couldn't insure me since the RV is not at one location for more than 50% of the year. I understand other companies require you own a home and have a homeowners policy in addition to the RV policy. Any experience with this out there?

Anything I'm missing?

Thanks in advance for your guidance ...

A&D
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Old 05-10-2013, 09:19 PM   #2
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Companies are now dropping people who only want a car policy... If you don't cover renters and a vehicle, or homeowners and a vehicle, or something else and a vehicle... you're pretty much screwed.

I'm currently trying to find an insurer that will give me any contents insurance - and cover the mother truck. Getting p***ed off and p***ed ON.

Paula
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Old 05-10-2013, 11:18 PM   #3
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We use Progressive. They most certainly cover full-timers

RV Insurance Coverages - Full Timer's Package
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Old 05-11-2013, 12:17 AM   #4
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Contacted Progressive about their Full-time Package, and after going through 30 minutes of questions was told they could not insure us because the AS was not at one location more than 50% of the year. If you ask me, that contradicts the purpose of "full-timing" ... We are never in one place for more than a couple months.

So, the question is ... Who insures folks that travel full-time and are nit stationary?

Not Progressive.
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Old 05-11-2013, 12:32 AM   #5
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I am with Progressive with a good rate. I will have to read the policy but there was no mention of being in one location 50% of the time. Also the trailer is covered for the purchase price for I believe 10 years.
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Old 05-11-2013, 02:19 AM   #6
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I too have Progressive. But Geico carries TT insurance also.
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Old 05-11-2013, 02:56 PM   #7
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Thanks for the comments about Progressive. I'll contact them again and see if a different representative can confirm. They specifically said that because the trailer was not at a particular address for more than 50% of the year, and because we were in a new location every month to two months, that they could not insure us.

Anyone have experience with this other company? National Interstate?

Thanks in advance!
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Old 05-26-2013, 12:02 PM   #8
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Just got an agreed upon value, $14500, for my 1978 Argosy Minuet 22 ft from Allied Insurance (Nationwide). This was based on an appraisal done on the trailer. The insurance on the Argosy and Full Timers insurance comes to $600/ year. I got this insurance thru Farm and City Insurance at 800-331-1520. They say when I get a copy of the insurance policy it will have the agreed upon value stated in it. We will see.
Patti
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Old 05-26-2013, 01:39 PM   #9
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There are many full timers with full timers insurance.

Go to the Escapees.com website. Miller Insurance specializes in working with full timers.

Dave
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Old 06-03-2013, 09:50 AM   #10
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Agreed Value

Quote:
Originally Posted by pdurkin7 View Post
Just got an agreed upon value, $14500, for my 1978 Argosy Minuet 22 ft from Allied Insurance (Nationwide). This was based on an appraisal done on the trailer. The insurance on the Argosy and Full Timers insurance comes to $600/ year. I got this insurance thru Farm and City Insurance at 800-331-1520. They say when I get a copy of the insurance policy it will have the agreed upon value stated in it. We will see.
Patti
Agreed Value are the key words. I have driven vintage cars for years and always insured them for an "Agreed Value". Companies have other terms that sound good like "Stated Value" or "Cash Value" but the fine print says whichever is less.

I am finishing up my restoration polish on our 1958 FC and will be taking it to a certified appraiser. With appraisal in hand I will shop around for the insurance.
GMAC says the will give me an "Agreed Value" with the appraisal.

We begin Full Timing next April 2014.
Dick
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Old 06-05-2013, 05:20 PM   #11
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We have bounced around over the years. It seems that any RV insurer gives good rates in the beginning then slowly bleeds you until you switch because they raise the rates too high. Right now we are will Good Sam (GMAC).

Great article on RV insurance that lists all the insurance companies and which offer full timer coverage if anyone is shopping.
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Old 06-06-2013, 08:42 PM   #12
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I'm an insurance agent, and my take after reading this article is that the author is confused.
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Old 06-06-2013, 09:04 PM   #13
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Quote:
Originally Posted by mccrosti
I'm an insurance agent, and my take after reading this article is that the author is confused.
Because.....? :-)
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Old 06-06-2013, 10:38 PM   #14
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I have USAA. They have all of my business that I can give them. Home, mortage, banking... I had a rock break one of my front curved windows during a ride hoome and a $100 deductible covered a $1200 fix by out of doors mart. Same rate over the past 2+ years and its the only "vehicle" I have on their policy. 4 star service.
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