longtimeowner
New member
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- Dec 4, 2019
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I just bought a 2007 Breckenridge 44 ft 3 slide park model. State Farm and Progressive will not insure park models. What insurance companies will insure park models that are in a RV park?
park model insurance
- Thread starter longtimeowner
- Start date
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This sure is an interesting question.
I would have thought you would need proof of insurance before purchase?
Well, If you pay cash, guess that would not come up in the transaction. If you need a loan, I would assume that proof of insurance would be a given.
I would have thought you would need proof of insurance before purchase?
Well, If you pay cash, guess that would not come up in the transaction. If you need a loan, I would assume that proof of insurance would be a given.
Roy M
Well-known member
I bought a mobile home, turned out the unit had never been deregistered which meant it could have been permitted and moved. The lender got a little excited to say the least. Once the paperwork was done and the axles removed it was insured as a permanent structure.
darsben
Well-known member
Foremost insurance
longtimeowner
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Thank you all for responding. Yes, I did pay cash for the camper. Having owned one just like it at the same campground seven years ago, I just assumed State Farm would insure this one as it had the other. As for Foremost Insurance, have you had any problems with them? I called a Foremost agent and they will insure the park model, but need pictures. This will not be a problem, but I had never heard of them before. Have you been satisfied with their service?
Dragginourbedaround
Well-known member
Following.
Gary RV_Wizard
Site Team
Foremost has insured our double-wide mobile home for 20+ years. Very satisfied with them. They are associated with AARP as their mobile home insurance source. Foremost is part of the Farmers Insurance group.
darsben
Well-known member
I have had them for over 15 years. Had a claim one time and they payed off without trouble
Tom
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Congratulations on the Breckenridge.
Foremost is part of the Farmers Insurance Group and handles our RV insurance. I deal exclusively through our Farmers agent, including when I've looked for coverage on fifthwheels and park models. However, Foremost has a decent web site that allows you to get quotes for various products: https://www.foremost.com/
Foremost is part of the Farmers Insurance Group and handles our RV insurance. I deal exclusively through our Farmers agent, including when I've looked for coverage on fifthwheels and park models. However, Foremost has a decent web site that allows you to get quotes for various products: https://www.foremost.com/
arcticfox2005
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- Apr 18, 2011
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- 716
Go back to the original post. The statement that State Farm will not insure a park model is just plain wrong. It could be a lack of communication in terms of what you mean about it being a park model.
Until we sold it last summer, we had a park model at Star Valley Ranch Resort in Wyoming that was insured by State Farm since it was new, the summer of 2000. However, it was not capable of being towed, being "ground set" and skirted.
If I don't know exactly what you have then there is a good chance that a randomly chosen insurance agent will not either.
Until we sold it last summer, we had a park model at Star Valley Ranch Resort in Wyoming that was insured by State Farm since it was new, the summer of 2000. However, it was not capable of being towed, being "ground set" and skirted.
If I don't know exactly what you have then there is a good chance that a randomly chosen insurance agent will not either.
Gary RV_Wizard
Site Team
Be aware that insurers don't always offer the same types of policies and coverages in all states, so what State Farm does in one area may not apply elsewhere. Insurers are regulated at the state level and sometimes choose not to offer a policy if their standard one doesn't comply.
It may be that in longtimeowner's state a park model is considered a mobile home for insurance purposes and often puts it in a different policy category.
It may be that in longtimeowner's state a park model is considered a mobile home for insurance purposes and often puts it in a different policy category.
firestorm138d
Member
I am in Washington state and after a week of googling and calling insurance agencies. I find no one will insure a “park model home” in my state. I live in an “open air condominium” where tiny homes, rvs and park models are legal. Someone has to cover them right?
Good Sam? No
Progressive? No
State Farm? No
Foremost? No
Gico? No
Nothing. What do I do?
Good Sam? No
Progressive? No
State Farm? No
Foremost? No
Gico? No
Nothing. What do I do?
The problem for you is Park Models are classified as RV's (ANSI regulated) You may need to contact your State's Ins. Commission to find out what's up. Sometimes insurers can't by State Law deny coverage to a class even though they'll try. It may be the case too that you'll need to demonstrate the home is permanently set up on site, having removed the axles and hitch.
Oldgator73
Well-known member
We have a park model permanently set up on our property in Virginia. It’s insured with American Modern Insurance through Progressive Specialty Insurance Agency Inc. (800-784-0251). Virginia considers any park model 400sf+ a single wide manufactured home. The premium is $289 per year.
If it's over 400sf it's a manufactured home anywhere. Park Models are strictly defined as RV's 400sf maximum and fall under ansi guidelines.
Oldgator73
Well-known member
You are almost correct:
The following is a portion of a federal statute defining manufactured homes:
"Manufactured home'' means a structure, transportable in one or more sections, which, in the traveling mode, is eight body feet or more in width or forty body feet or more in length, or, when erected on site, is three hundred twenty or more square feet, and which is built on a permanent chassis and designed to be used as a dwelling with or without a permanent foundation when connected to the required utilities, and includes the plumbing, heating, air-conditioning, and electrical systems contained therein; except that such term shall include any structure which meets all the requirements of this paragraph except the size requirements and with respect to which the manufacturer voluntarily files a certification required by the Secretary and complies with the standards established under this chapter"
The mfg'er of your park model apparently then only called it a park model because they hadn't read the wikipedia entry and/or couldn't spell Manufactured Home.
firestorm138d
Member
From my research and maybe I am wrong here. But it looks like in Washington state to be a “Manufactured home” it has to be 500sqft or larger.
I’m not taking the wheels and tung offf as the whole point to living in an Rv is to be somewhat portable. I just want something designed for permanent living. Regular RVs suck in the winter.
I’m not taking the wheels and tung offf as the whole point to living in an Rv is to be somewhat portable. I just want something designed for permanent living. Regular RVs suck in the winter.
Therein is the sticky wicket.
Gary RV_Wizard
Site Team
"Somewhat portable" indeed. Park models aren't designed to be hauled around, so require preparation and equipment to be moved. That's part of the design standard differences that makes them a "park model" rather than a regular RV.
