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Author Topic: Full Timer Insurance?  (Read 13832 times)

Ray D

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Full Timer Insurance?
« on: July 31, 2010, 04:39:56 PM »
OK, I've been living in my motorhome, the last three weeks. Not sure how long this is going to last. Maybe I'm a half timer. Maybe I'm a Snowbird.  ??
 
When do I talk about insurance issues with my insurance company, and what do I tell them? Especially, when I don't really know, myself?  ::)
 
What can I expect in regard to any changes, including premiums?
 
Good luck dealing advice with this! I know I'm not figuring it out very well!  ???
 
Ray D  :-\
Boise, Idaho. U.S.A.F. Vet. Damon Challenger, Workhorse/Vortec, 2005 towing a Suzuki XL-7, 2003.

Ned

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Re: Full Timer Insurance?
« Reply #1 on: July 31, 2010, 04:43:22 PM »
Unless you have your insurance with one of the few companies that writes full timer insurance, they are likely to not know what you're talking about.  We have had numerous discussions about full timer insurance, check the Fulltiming board for those and also the forum resources for some insurance company references.
-- Ned -- Fulltimer 1997-2013
1997 Holiday Rambler Endeavor LE
2007 GMC Canyon

Ray D

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Re: Full Timer Insurance?
« Reply #2 on: July 31, 2010, 05:21:14 PM »
Thanks Ned. At what time/point do I become a "full-timer?" I actually don't know if this is permanent or just another bump in the road. Or, maybe a month or so? Pretty nebulous at this point.  :-\ 
 
Do I just wait until it becomes obvious that I actually live in my Motorhome, full time?
 
Well, one way to get some traveling done.  ???
 
Ray D  :-\
 
Boise, Idaho. U.S.A.F. Vet. Damon Challenger, Workhorse/Vortec, 2005 towing a Suzuki XL-7, 2003.

Ned

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Re: Full Timer Insurance?
« Reply #3 on: July 31, 2010, 05:35:51 PM »
If you have no other place to go but the motorhome, then you're a full timer :)  It doesn't just happen, you will make a conscious decision to do so and then you'll know.
-- Ned -- Fulltimer 1997-2013
1997 Holiday Rambler Endeavor LE
2007 GMC Canyon

seilerbird

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Re: Full Timer Insurance?
« Reply #4 on: July 31, 2010, 05:39:59 PM »
There are some gray areas as to if you are a full timer or not. Like Ned said, if you make the decision then you are one. But what about the people who don't sell their but return to it for three or four months a year? They sound like part-time full-timers to me. What if it was only one month? What if it was six months? I think being a full timer is more of a state of mind.

Ray D

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Re: Full Timer Insurance?
« Reply #5 on: July 31, 2010, 05:44:23 PM »
Seilerbird, I agree. I am, however, more concerned at this point with whether the insurance company pays a claim. Their opinion is a matter of concern, as well.
 
Ray D  ;)
Boise, Idaho. U.S.A.F. Vet. Damon Challenger, Workhorse/Vortec, 2005 towing a Suzuki XL-7, 2003.

Ned

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Re: Full Timer Insurance?
« Reply #6 on: July 31, 2010, 05:51:52 PM »
Be sure that your motorhome insurance is in force for all the time that you're using it.  The non-fulltimer policies will have a maximum days of use clause for which you're covered.  Read the fine print, as always, and ask your agent.
-- Ned -- Fulltimer 1997-2013
1997 Holiday Rambler Endeavor LE
2007 GMC Canyon

Gary RV_Wizard

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Re: Full Timer Insurance?
« Reply #7 on: July 31, 2010, 05:52:51 PM »
My National Interstate policy explicitly states that "full time" is 150 nights per year or more. They don't care about my intent or what I own. The good news is that the additional premium is only about $70.

The only meaningful answer to the question comes from your own insurer though an authorized agent. Ask him/her if it makes any difference how many days/nights per year you spend in your RV. If he asks why, you can always say you are "considering" living in it for an extended time - no need to be specific, since you don't know anything specific anyway.  Make a note of the name of the person who gives you the answer, the answer itself, and the date & time (just in case).

They can terminate your policy and deny a claim if you lied to them about your usage.  But if they didn't ask???  Do you remember what questions may have been asked when the policy was written?  Best to find out what the rule is before you have any further conversations about what you are actually doing.
Gary
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Summers: Black Mountain, NC
Home: Ocala National Forest, FL

seilerbird

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Re: Full Timer Insurance?
« Reply #8 on: July 31, 2010, 05:59:21 PM »
Seilerbird, I agree. I am, however, more concerned at this point with whether the insurance company pays a claim. Their opinion is a matter of concern, as well.
 
Ray D  ;)
Well that begs the question how will your insurance company know if you never tell them? I don't think that one of the questions on an insurance claim form is "Are you a Full Timer?"

BernieD

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Re: Full Timer Insurance?
« Reply #9 on: July 31, 2010, 08:10:00 PM »
Well that begs the question how will your insurance company know if you never tell them? I don't think that one of the questions on an insurance claim form is "Are you a Full Timer?"

Tom

With all the policies I have had written, the agent or phone rep asked "how many days on the road?"
Bernie & Marlene Dobrin
Home is Goodyear, AZ
Missing our Travel Supreme

seilerbird

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Re: Full Timer Insurance?
« Reply #10 on: July 31, 2010, 08:15:44 PM »
Tom

With all the policies I have had written, the agent or phone rep asked "how many days on the road?"

With all the policies I have had written my agent never asked me that question.

Tom

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Re: Full Timer Insurance?
« Reply #11 on: July 31, 2010, 08:21:56 PM »
A number of years ago I asked my State Farm agent about suspending my policy for a few months, and his response was that State Farm assumes up to 6 months on the road. I didn't suspend the policy.
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Ned

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Re: Full Timer Insurance?
« Reply #12 on: July 31, 2010, 08:34:17 PM »
If you lie to the insurance company and have a claim, they will disallow it if they find out you lied, and they will.
-- Ned -- Fulltimer 1997-2013
1997 Holiday Rambler Endeavor LE
2007 GMC Canyon

seilerbird

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Re: Full Timer Insurance?
« Reply #13 on: July 31, 2010, 09:12:10 PM »
Lying is never good.

Gary RV_Wizard

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Re: Full Timer Insurance?
« Reply #14 on: August 01, 2010, 09:39:29 AM »
Every year with my renewal comes a brief questionaire that asks me to re-verify fulltime or not, commercial vs private, and who the primary driver(s) are.

When we had the big accident last year, I was asked where we had been and where we were headed, but not how many days we had been on the road that year. I had previously dropped the fulltimer coverage because we weren't traveling much in 2009 due to health issues.

There are some things could could raise that issue, though. Mileage in one of them - if they notice you racked up a lot of miles, they might get suspicious.  Insurance companies live on statistics, so they have a good feel for typical usage. Or if you said you were parked in a snowbird area like FL or AZ when the damage occurred, they might ask how long you had been there.
Gary
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Marsha/CA

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Re: Full Timer Insurance?
« Reply #15 on: August 01, 2010, 10:51:25 AM »
Ray, it isn't that much to  make your policy a "fulltimers" policy.  The difference is that if you have a homeowner's insurance on a house, it will cover some of the expense of a claim with the coach.  If you don't have a house, then the fulltimer insurance takes care of those claims. 

Like Gary, we have National Insurance, when we were building the house, it cost under $100 to switch to fulltimers.  It had nothing to do with miles; but with time spend in the motor home.  We kept the policy on fulltimers because we can be in the coach more than 5-6 months out of the year and it wasn't worth the $100 to switch back.

Marsha~
2017 Heartland Mallard IDM231 Travel Trailer....Small but mighty.

Ned

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Re: Full Timer Insurance?
« Reply #16 on: August 01, 2010, 11:09:00 AM »
Also, fulltimers insurance should include an umbrella liability coverage that would normally be part of a homeowner's policy.  Ours is a combined single limit $1,000,000 coverage for bodily injury/property damage that costs $186/year.
-- Ned -- Fulltimer 1997-2013
1997 Holiday Rambler Endeavor LE
2007 GMC Canyon

Ray D

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Re: Full Timer Insurance?
« Reply #17 on: August 01, 2010, 11:12:06 AM »
Marsha, good summary. All of the responses have helped me to understand. $100, I've got. Sure a lot of money flying out the window, as I prepare, for this and for that.
 
Motorhome just sits here, grinning. Thinks it's going somewhere. I haven't even started on "where," yet.  ::)
 
Ray D  :) 
Boise, Idaho. U.S.A.F. Vet. Damon Challenger, Workhorse/Vortec, 2005 towing a Suzuki XL-7, 2003.

BernieD

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Re: Full Timer Insurance?
« Reply #18 on: August 01, 2010, 12:38:59 PM »
Also, fulltimers insurance should include an umbrella liability coverage that would normally be part of a homeowner's policy.  Ours is a combined single limit $1,000,000 coverage for bodily injury/property damage that costs $186/year.

Ned

We have fulltimers coverage since we are in the coach more than 150 days/year. However, the umbrella policy is a separate policy, I've carried one for many years before we even bought our first coach. Our umbrella is written by a company different than our RV policy. Geico quoted the umbrella policy completely separate.
Bernie & Marlene Dobrin
Home is Goodyear, AZ
Missing our Travel Supreme

Ned

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Re: Full Timer Insurance?
« Reply #19 on: August 01, 2010, 12:47:52 PM »
Bernie, but you have homeowners insurance as well, so a separate umbrella policy makes more sense for you.
-- Ned -- Fulltimer 1997-2013
1997 Holiday Rambler Endeavor LE
2007 GMC Canyon

Gary RV_Wizard

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Re: Full Timer Insurance?
« Reply #20 on: August 01, 2010, 06:28:24 PM »
My 'fulltimer' coverage has no umbrella liability and is unrelated to whether or not I have homeowners (I do).  I've seen the type of policy Ned mentions, but mine isn't one of those. Probably why mine doesn't charge much extra for the Fulltimer coverage.
Gary
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Summers: Black Mountain, NC
Home: Ocala National Forest, FL

pdq

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Re: Full Timer Insurance?
« Reply #21 on: August 01, 2010, 07:10:52 PM »
....re-verify fulltime or not, commercial vs private, and who the primary driver(s)...

Our insurance carrier said it did not matter, full time or not. The policy was the policy - covering the motorhome 365 days per year.
They do care about commercial versus own use (like others have noted/cautioned, if you are thinking about "renting" your motorhome)
They also wanted to know the primary driver and if there were to be other drivers

I believe that fulling informing the insurance carrier is important. This way, ALL conditions have addressed in the policy.

regards, peter
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BernieD

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Re: Full Timer Insurance?
« Reply #22 on: August 01, 2010, 08:03:01 PM »
Bernie, but you have homeowners insurance as well, so a separate umbrella policy makes more sense for you.

Ned

Not sure what you mean by "a separate umbrella policy". An umbrella policy is an umbrella policy. It covers all qualified liablities. I am required to maintain certain minimums on my vehicle policies, which provide primary coverage. Vehicle insurance has much greater exposure than homeowners coverage. The umbrella policy offered by GEICO, which writes my coach and car policies, had basically the same coverages as my existing policy but cost a lot more. And as I mentioned, my coach has full timer coverage.
Bernie & Marlene Dobrin
Home is Goodyear, AZ
Missing our Travel Supreme

Ned

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Re: Full Timer Insurance?
« Reply #23 on: August 01, 2010, 08:43:24 PM »
Separate is just that, vs. a coverage included in another policy like ours.  When I owned houses, I had a policy that was just the umbrella liability coverage, i.e. a separate policy.  Since you have both homeowners and RV coverage, a separate liability policy covering both makes sense.
-- Ned -- Fulltimer 1997-2013
1997 Holiday Rambler Endeavor LE
2007 GMC Canyon

Tom

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Re: Full Timer Insurance?
« Reply #24 on: August 01, 2010, 10:00:43 PM »
Quote from: Ned
Since you have both homeowners and RV coverage, a separate liability policy covering both makes sense.

Makes no sense to me. Our liability (aka umbrella) policy doesn't "cover both". It's a liability policy unrelated to other policies we have. OTOH, like Bernie, a requirement of the umbrella policy is that we carry a defined minimum liability coverage on the policies for our boats, cars, and RV. The umbrella policy kicks in when any other coverage (or non coverage) stops paying. It's a personal liability policy, not specifically for a boat, car or RV.
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tswms

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Re: Full Timer Insurance?
« Reply #25 on: August 01, 2010, 11:13:25 PM »
I have been watching this thread for a while, and perhaps I can clarify a couple of things.  First of all the main difference between a "Full TIME" policy and a RV (auto policy in that the full time policy adds "Personal Liability" for accidents which are not related to the use or ownership of a motor vehicle. Such as a golfing or hunting accident. These are things that are coverted under a homeowners policy. If you own a TT for example, when you unhook from the TV it no longer is a vehicle it becomes a "secondary residence premises " and not covered by auto liability. There is also some additional property coverage and scheduled coverage for Jewelry etc.
Second on the subject of Umbrella coverage.  When I entered the business 30 years ago we wrote true Umbrella's.  I have not seen a TRUE UMBRELLA for years.  Most sold today are "Personal Excess policies" which provide coverage only above the listed underlying policies and only above the limits set in the policy. While they are still cheaper than increasing all your policies by say $1,000,000 they don't cover as much as they used to.
The short version is if you have a homeowners you don't need a "Full time policy. 
As of the number of days questions,they are rating information and do not affect coverage. ALTHOUGH lying CAN VOID COVERAGE.
Tony
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Siloam Springs AR (NW)

Ned

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Re: Full Timer Insurance?
« Reply #26 on: August 02, 2010, 07:19:40 AM »
By covering both I mean the umbrella policy covers you both at home and in the RV.
-- Ned -- Fulltimer 1997-2013
1997 Holiday Rambler Endeavor LE
2007 GMC Canyon

Tom

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Re: Full Timer Insurance?
« Reply #27 on: August 02, 2010, 08:11:27 AM »
Ah, thanks Ned. That makes more sense.
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BernieD

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Re: Full Timer Insurance?
« Reply #28 on: August 02, 2010, 08:57:56 AM »
By covering both I mean the umbrella policy covers you both at home and in the RV.

Ned

If for some strange and inexplicable reason, you decided to buy a house, or build one on your lot, wouldn't your "RV" umbrella offer you the same coverage regardless in which house you were living?
Bernie & Marlene Dobrin
Home is Goodyear, AZ
Missing our Travel Supreme

Ned

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Re: Full Timer Insurance?
« Reply #29 on: August 02, 2010, 09:21:46 AM »
If we bought a house, we would probably not use the RV as much and would drop the full timers coverage.  Whether that would eliminate the high limit liability coverage on that policy, or if it would cover us in the house, I don't know.  I would have to find the appropriate paragraph in the policy and I just am not in the mood to read all the fine print today :)  But I would make darn sure we had at least as much liability coverage for the house as we now have for the motorhome, either in the homeowners policy or as a separate one.

If you think it would, then why do you have a separate liability policy rather than including it in your full time RV insurance?
-- Ned -- Fulltimer 1997-2013
1997 Holiday Rambler Endeavor LE
2007 GMC Canyon