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Author Topic: RV Insurance recommendations for full timers?  (Read 1648 times)

ISO_AAA

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RV Insurance recommendations for full timers?
« on: January 30, 2017, 03:55:35 PM »
When I purchased last year I went with the company the dealership recommended- Overland. Granted they were kind of hateful about me intending to use the coach to travel for work. I do have a physical address in TN where my mail goes and vehicles are registered to. I am parked there between jobs. My car is on the same policy. I figured I would shop and ask around this year before I renew. Any suggestions?

RedandSilver

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Re: RV Insurance recommendations for full timers?
« Reply #1 on: January 30, 2017, 04:10:41 PM »
Do you have any memberships?

Good Sam, FMCA, Escapees, etc.

Might want to check the ones that specialize in RV's and Full-timing.

I'm not full-time yet so I can't say which is best.
Yes you will probably spend more then you do now - but at least you will be covered and not have to worry as much.
2002 Rexhall Rose Air  Cummins 8.3  350hp

ISO_AAA

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Re: RV Insurance recommendations for full timers?
« Reply #2 on: January 30, 2017, 05:02:00 PM »
Overland specializes and is expensive. I'm paying $2200/yr for their "best" RV policy and my car. I just didn't care for their attitude. They acted like I was the devil for traveling for work 😂😂

Gary RV_Wizard

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Re: RV Insurance recommendations for full timers?
« Reply #3 on: January 30, 2017, 05:34:00 PM »
Well, most insurers have substantially different policies terms for work use vs home/recreational. For one thing, they know the risk of a lawsuit is greater and the potential for a jury award is as well. But there may be a subtle distinction between "living in the RV while you work somewhere", vs "using the RV for work". If you don't actually do work from the RV or park it on a job site, you may not fall under the "work" definition. Of course, using the RV as a fulltime abode will also involve higher premiums than part time recreation, but it's usually not a big difference.

It is nigh impossible to compare insurance rates among RV owners - far too many variables for it to be meaningful. You need to shop around and get some quotes from other insurers.

You didn't mention the coach or the car year/make/model, so its hard to even guess if the premium seems high or not.
Gary
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Gary Brinck
Summers: Black Mountain, NC
Home: Ocala National Forest, FL

ISO_AAA

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Re: RV Insurance recommendations for full timers?
« Reply #4 on: January 30, 2017, 05:39:08 PM »
I work in hospitals, travel to ones that are understaffed. I live on the coach. It's a 2105 Forest River Legacy, class A and a 2010 Acura TL.

RedandSilver

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Re: RV Insurance recommendations for full timers?
« Reply #5 on: January 31, 2017, 12:31:28 PM »
Wow a 2105 vehicle I don't know if I'll be alive to see that years model.  ;D

A newer vehicle and Toad will be a little higher no matter who you go with.

The fact that you travel around and may not always be in a good neighborhood
could be a factor in the higher rates a little.

I agree with Gary.
We don't know your home state or how far you travel.
Many variables like age, driving record, length of time driving a MH, how many
miles a year you drive, etc all can effect rates.

Two people living in the same city but at opposite ends can have a big difference in the rates they pay if everything else was similar.

Good luck in your search for a better rate.

Best bet will be to call around - as you have nothing to lose.
2002 Rexhall Rose Air  Cummins 8.3  350hp

jackiemac

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Re: RV Insurance recommendations for full timers?
« Reply #6 on: January 31, 2017, 01:37:39 PM »
Overland specializes and is expensive. I'm paying $2200/yr for their "best" RV policy and my car. I just didn't care for their attitude. They acted like I was the devil for traveling for work 😂😂

We pay over double that for the year for out truck and  TT  ::)  we are foreigners though.  ???
Jackie n Steve - Happy Scottish Travellers

2017 Heartland Sundance 288rls
2016 Dodge Ram 2500 6.4L Hemi

Home in Scotland eagerly awaiting next trip!

ISO_AAA

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Re: RV Insurance recommendations for full timers?
« Reply #7 on: January 31, 2017, 06:09:31 PM »
I'm not necessarily shopping for the cheapest rate but BEST policy for full timers.

My home address is great neighborhood suburbia east TN. I do not stay in bad neighborhoods when traveling. I have a monitored ADT system on the rig- break in, fire, image exc. I'm 38, spotless driving record. Mostly regional travel. My work assignments average 4 months plus. I've had the rig a year and only driven it about 600 miles.

Gary RV_Wizard

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Re: RV Insurance recommendations for full timers?
« Reply #8 on: February 01, 2017, 10:30:15 AM »
What things would make a policy "best" in your eyes?  YOU pretty much determine how good insurance is by selecting the coverages and deductibles, so it's one of those things that require some buyer education and involvement. How much vehicle liability, how much personal liability (if any), collision and comprehensive coverage the the RV itself and associated deductible amounts, personal effects coverage, etc.

A filltimer probably wants a total package somewhat similar to fixed house homeowners coverage, with liability plus loss coverages on both home and contents. And since its a motorized vehicle, it also requires vehicle liability coverage to meet legal standards of the state where it is registered.
Gary
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Gary Brinck
Summers: Black Mountain, NC
Home: Ocala National Forest, FL

ISO_AAA

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Re: RV Insurance recommendations for full timers?
« Reply #9 on: February 01, 2017, 06:20:57 PM »
Yes I was happy with the vehicle aspects of the policy but not so much personal aspects and contents. That seems to be where these policies fall short. I'm wondering if it would be possible just to get a renters type policy for personal aspects and contents. The Overland policy which is through SafeCo is really knit picky on how you are reimbursed for items and puts a cap on individual items. For example $1500 for clothing.

Gary RV_Wizard

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Re: RV Insurance recommendations for full timers?
« Reply #10 on: February 02, 2017, 07:34:07 AM »
I'm getting the impression you picked up some sort of insurance package that an agent labeled "fulltimers". That's exactly the opposite of what I suggested in my previous post. Rv coverage, especially for fulltime or long term travelers, are not well standardized like homeowner policies. And agents rarely have much understanding of an RVers needs, so are not a reliable source of advice.  You need to specify what you want, and if the company/agent can't provide it, shop elsewhere.

Try an RV insurance specialist agency such a Miller RV Insurance. Or maybe ExplorerRV. And discuss your needs for coverage of your personal property, a place to live if the RV is unusable due to accident, that sort of thing.

Based on what you said earlier about how you use the motorhome, I don't think you need "RV work" coverage.  You aren't driving the RV back & forth to work daily, or doing work from the RV. Rather, you are working near where your RV is parked. You are living in an RV, but you take your car to work in the morning.
Gary
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Gary Brinck
Summers: Black Mountain, NC
Home: Ocala National Forest, FL

ISO_AAA

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Re: RV Insurance recommendations for full timers?
« Reply #11 on: February 03, 2017, 02:29:14 PM »
Thanks!

 

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