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Old 08-13-2016, 11:17 PM   #1
2 Rivet Member
1972 31' Sovereign
Smithville , Texas
Join Date: Aug 2016
Posts: 33
Full-Timer: Insurance

Thinking about full-timing. What type of insurance do I get? Does it matter if this is my primary residence and not for camping? Any particular company I should go with/avoid? Also, if I go off for all the money to restore it, what is to keep someone from just hooking up to it and hauling it off? How do you secure it from being stolen? ('72 Soverign). Thanks!

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Old 08-20-2016, 03:08 PM   #2
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Sioux Falls , South Dakota
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Lots of questions here.

Yes, it does make a difference if this is a weekend/vacation camper or your full-time residence. There are several insurance companies/agencies that specialize in coverage for full-timers. None of them are 100% great or 100% awful. Talk to several and make your own decision.

One question that you will need to ask about is value of your coach. A standard policy basically says that they will pay you book value if they declare your coach totaled. They will take that book value from NADA or similar company. Look up your coach on NADA and you will see that it isn't worth much. How much it cost you doesn't matter at all.

For an increased premium, you can get a policy that will pay you what the coach is actually worth. You will need to present an official appraisal periodically, and that appraised value will be what is used to set your premiums. I'd suggest that you discuss this point with each agency/company you interview.

If a thief wants your coach badly enough, there isn't much you can do to stop him. I recently watch a video of someone backing up to a trailer that had a locking device on the hitch. The "thief" (this was a demo, not a real crime) simply backed up to the target trailer, hooked chains around the tongue and attached them to a hook on the truck. He even hooked up the lights. Total time was about a minute.

Best deterrent is to park where everyone can see the trailer (well lighted, public, guarded, etc.). If the trailer is to be left for a long time some people take off the wheels, leaving it up on jack stands. There are several threads here about this subject, so read those and draw your own conclusions.

It sounds like you are going to do a major restoration. I'd suggest that you have a building that you can lock. Put a fenced dog run on it with a "doggy door" for a large dog with a loud bark. That won't stop all thieves but it may deter a few. Best breed is one that is large, slobbers, and sheds.

David Lininger, kb0zke
AIR 54240
Heartland mpg 181 (sold)
1993 Foretravel U300 (for sale)
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Old 08-21-2016, 06:11 AM   #3
2 Rivet Member
1972 31' Sovereign
Smithville , Texas
Join Date: Aug 2016
Posts: 33
Big dog! Lol!

Thanks for such great advice! It's funny you mention a big dog. I happen to have one who is very big (80lbs--but needs to weigh 75), big menacing bark, but bot so much on the drool. He does shed like crazy though. Thanks for the giggles, and the things to consider. :-)
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Old 08-30-2016, 06:28 AM   #4
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Aiken , South Carolina
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I have USAA and they use Progressive. The good thing about progressive is that they provide insurance for full time people. You may want to check with them and see what they can offer you.
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