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Old 06-06-2016, 02:45 PM   #1
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1997 28' Excella
1948 16' Wee Wind
Los Gatos , California
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RV insurance while full timing

Hi All,
I just got off the phone with Allstate, Progressive, Esurance, and Answer Financial insurance and none of them would insure a travel trailer that is lived in full time... anybody have any suggestions as to which company insures full timers?
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Old 06-06-2016, 03:04 PM   #2
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Check with Americas' Mailbox. They know that their users are full-timers. You may have to register in SD...but you only have to stay 1 night to be a resident.
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Old 06-09-2016, 09:46 AM   #3
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Sneedville , Tennessee
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I have Progressive and have full timers coverage. Registered in SD.
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Old 06-09-2016, 10:06 AM   #4
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I have Progressive and have full timers coverage. Registered in SD.
Me too, in Florida.
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Old 06-09-2016, 10:13 AM   #5
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Progressive ok in Az. Moving to SD for tax reasons this summer, good to know.
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Old 06-09-2016, 12:05 PM   #6
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Progressive ok in Az. Moving to SD for tax reasons this summer, good to know.
Be sure to investigate the health insurance situation there before you go. SD has zero nationwide carriers. We have FedBlue which covers us world wide. The catch is you have to be a federal employee.
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Old 06-09-2016, 12:42 PM   #7
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Just tell them you're on an extended vacation.
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Old 06-09-2016, 01:22 PM   #8
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More and more the government and insurance industry is basically telling us we don't like you living out or your RV because we can't tax you enough.

Kelvin
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Old 06-10-2016, 05:10 AM   #9
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I have Progressive and have full timers coverage. Registered in SD.
Me too, in Texas. But I had to go through an agent to get it. Ron Jarvie, Overland Insurance. Recommended by another Air Forums user. Simplified my life dramatically.

http://www.rvins.com/contact.htm
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Old 06-10-2016, 08:42 AM   #10
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I had to drop State Farm completely after they refused to insure me full-time. I'm a Good Sam member and went through them. (They are a "insurance broker" ) Ended up with the coverages I was needing through National General Insurance. Bundled my 2 auto's, Airstream & full timers coverage together for $216/ month here in Southern AZ.
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Old 06-10-2016, 10:49 AM   #11
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Originally Posted by mrprez View Post
Be sure to investigate the health insurance situation there before you go. SD has zero nationwide carriers. We have FedBlue which covers us world wide. The catch is you have to be a federal employee.
I didn't know that would be a problem. i'll be eligible for medicare in Oct. Issue on that?
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Old 06-11-2016, 06:27 PM   #12
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I didn't know that would be a problem. i'll be eligible for medicare in Oct. Issue on that?
it is my understanding that Medicare is nationwide, but I would check it out first. I have another year before I am eligible.
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Old 06-19-2016, 07:03 PM   #13
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We're full-timers domiciled in SD and on Medicare. No problem.

The supplemental insurance is State-specific and when we were gathering information one person questioned our location because we kept our cell phone numbers and the area code wasn't a South Dakota one. Once we explained that there was no further problem.
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Old 06-19-2016, 07:14 PM   #14
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we don't like you living out or your RV because we can't tax you enough.
Need to know basis. Establish residency honestly and wisely and keep everything else to yourself. How often you use your camper may increase the odds but that depends on how often it is on the road or stationary and other factors. It seems that more and more things are set against some and given to others. (oops, getting political)
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