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Old 07-25-2017, 02:23 PM   #1
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Question Questions About Getting Started with Full Time Insurance

I'm starting research into full time insurance for our Airstream and tow vehicle as we plan to start full timing in October.

We will probably domicile in South Dakota or Texas, leaning SD. Our house in Missouri is under contract.

I figured it would be easy to find information on this subject but doing internet searches doesn't seem to bring up all that much and a lot of it is old comments.

Is it best to call companies directly or use an insurance agent?

When getting quotes do you give them the address of the mail forwarding company?

Do you insure the tow vehicle with the same company as the trailer?

Do most just insure for the current value of the trailer? We've put some money into ours to make if more livable for full timing so I'm wondering if I should get an agreed value?

Can anyone recommend a list of companies or agencies to start with?

Thanks

Kelvin
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Old 07-25-2017, 02:27 PM   #2
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FCIS in Forest City Iowa does agreed value. You'll need to get an appraisal. I got mine from an AS dealer.
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Old 07-25-2017, 04:00 PM   #3
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Hi

Part of the "assumption" in a typical insurance setup is that you have a homeowners policy. It covers various things that an auto policy or a "typical" RV policy does not. What you will need is a set of policies that cover all the bases. Either you will need to do some research on how this works in your chosen state or you will need a very good agent.

Bob
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Old 07-25-2017, 05:06 PM   #4
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I understand this. Only a subset of insurance companies offer full time insurance which includes liabilities not associated with normal trailer/tow vehicle insurance.

Hopefully, a full timer who has gone through this exercise will contribute.

The insurance is the only stumbling block I'm encountering. Plenty of info on which states are best for domicile but the trailer/tow vehicle insurance information is sparse.

Kelvin
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Old 07-26-2017, 12:25 PM   #5
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Quote:
Originally Posted by KJRitchie View Post
I'm starting research into full time insurance for our Airstream and tow vehicle as we plan to start full timing in October.

We will probably domicile in South Dakota or Texas, leaning SD. Our house in Missouri is under contract.

I figured it would be easy to find information on this subject but doing internet searches doesn't seem to bring up all that much and a lot of it is old comments.

Is it best to call companies directly or use an insurance agent?

When getting quotes do you give them the address of the mail forwarding company?

Do you insure the tow vehicle with the same company as the trailer?

Do most just insure for the current value of the trailer? We've put some money into ours to make if more livable for full timing so I'm wondering if I should get an agreed value?

Can anyone recommend a list of companies or agencies to start with?

Thanks

Kelvin
There are several good places to get started on full-timers insurance research:

www.escapees.com (search their web site, lots of great info)
www.technomadia.com (research their blogs)
www.gonewiththewynns.com (research their blogs)

Here is a full-timer insurance agent whose very good:

Gina Shaver, CIC
Epic Insurance
5032 S Bur Oak Pl Ste 130
Sioux Falls, SD 57108
(605) 271-8100 office
(605) 271-8898 fax
(605) 929-1333 cell

We domicile in FL (St. Brendan's Isle Domicile & Mail Forwarding Service) use Progressive for our Airstream and Amica for our tow vehicle.

There are lots of things to consider, research and carefully read and understand; and, you want to get very good guidance.

I highly recommend getting great insurance with great insurance companies (you can research them) versus the "cheapest" insurance. Insurance is like a life boat you only need it when it is really important and when its important you don't want to to have the "cheapest" life raft.

Hope that helps.
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Old 07-26-2017, 12:43 PM   #6
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Full timers insurance

I'd talk to your agent. You can get specific full timers insurance through such companies as Foremost, progressive just to name a few. The two vehicle is usually insured separately. The full timers insurance will cover the Airstream and your contents in the AS and liability similar to Homeowners insurance. Some will include upgrades such as solar.
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Old 07-26-2017, 03:04 PM   #7
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You can always check with Good Sam/Camping World - they sell everything.
Or check the Blue Beret magazine - several insurance companies advertise there.
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Old 07-27-2017, 08:24 AM   #8
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I've already contacted my local insurance agent in Missouri and they can't handle our situation.

I've contacted Rverinsurance.com (affiliated with Escapees) and filled out their form. That put me into contact with an affiliated agent in California and they worked the numbers for Progressive. I understand RV Full Time insurance will be more expensive but the quote for the 2015 Ram was $1500-$1600/yr with Progressive and about $800 for the Airstream. She didn't run the numbers for splitting the trailer and tow vehicle with different companies. This is with supposedly USAA membership discount. The Ram seems to me kinda high, more than twice the amount I'm paying now with my homeowners insurance.

Left a message for Epic yesterday, no call backs yet. May try to call back.

Talked Overland Insurance yesterday. She seemed to be very informed with RV fulltime issues and is currently working on a quote for a SD domicile.

Kelvin
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Old 07-28-2017, 07:55 AM   #9
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Hi

Something like $800 for the AS on top of a normal auto + home policy is pretty typical. The "home" part of the process needs to get stuffed in somewhere .... I've always had an umbrella liability policy to fill various gaps. That may be something that works in this case.

Bob
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Old 07-28-2017, 02:37 PM   #10
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I was able to get in touch with Epic insurance. They have run the numbers for three mail forwarding locations in South Dakota (Box Elder, Sioux Falls, Emery) and one in Texas (Livingston).

Looks like the trailer plus tow vehicle insurance is cheaper in South Dakota but vehicle registration is cheaper in Texas. So for these two items it appears to be a wash.

Going to have an appraisal performed on my Airstream since we had a remodel performed last winter.

Kelvin
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Old 08-14-2017, 05:40 PM   #11
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Appraisal completed by Pinnacle Auto Appraisers. Cost was $250 for the trailer. With the remodel changes we were pleasantly surprised at the evaluation, better than expected.

Hmm, I was hoping more full timers would've chimed in with their experiences with choosing full timer insurance.

Kelvin
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Old 09-17-2017, 06:15 PM   #12
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Kelvin,
Sorry I was off line awhile and didn't catch your query. We have info on this on our web page for full timing FAQ at http://dreamstreamr.com/2243.html#C30.

We're seeing our premiums go down because our truck's aging. But we're covering the trailer on agreed value, so premium on it's not gonna go down.

The big deal tho was in getting with an insurance company that understands and agrees to cover our liability whether the trailer is attached (hitched) to the truck or not. Until we specifically called them out on it our prior insurer didn't disclose this important gap in coverage. Without a house we no longer had access to the homeowners umbrella liability coverage. Looking into it further we learned that insurance company lacked any applicable coverage for full timers. We changed insurance company.

Hope this helps. PM me if questions we can help with?
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Old 09-18-2017, 07:42 AM   #13
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Hi

When we insured this trailer, I think I got asked about six different ways "are you living in it full time". At that point in the process I did not understand the whole "homeowners covers this and that" part of the process. It seemed really odd that they kept checking and asking basically the same thing.

A while after the policy on the trailer came through, I got another note from them. "We've reviewed your homeowners coverage and recommend ... ". Yup, they boosted this and that to cover an event that nuked both the trailer and home at the same time. That also seemed a bit odd back then. Looking at hurricane damage on TV, it now makes perfect sense.

Bob
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Old 09-18-2017, 07:49 AM   #14
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Quote:
Originally Posted by KJRitchie View Post
Appraisal completed by Pinnacle Auto Appraisers. Cost was $250 for the trailer. With the remodel changes we were pleasantly surprised at the evaluation, better than expected.

Hmm, I was hoping more full timers would've chimed in with their experiences with choosing full timer insurance.

Kelvin
Curious whether you have completed this process, and if you could update us all on the company and coverages you found. We are thinking of going the full-time route as well.

Thanks,

Peter
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