Marsha/CA
Moderator Emeritus
Mick & Pat,
We have had our motorhome since 2003. In 2007 we sold our house and lived in our motorhome for close to a year while our new house was being built. We changed over to fulltime coverage during that period of time and the increase was $90.00 per year.
Regarding whether the 150 days is consecutive or not, our insurance considers a total of 150 days of the year as needing fulltime insurance, not consecutive.
We now own a house and some of the coverage while in the motorhome is taken care of by our homeowners insurance.
My gut feeling is if I plan to travel more than a total of the 150 days of the year, I'll pick up the fulltime coverage. I don't want to give the insurance company any grounds to either not pay or to reduce their responsibility because I was in the coach for more than 150 days.
BTW, we also have an umbrella coverage for everything. Probably more than we need; but we both sleep well at night.....
Marsha~
We have had our motorhome since 2003. In 2007 we sold our house and lived in our motorhome for close to a year while our new house was being built. We changed over to fulltime coverage during that period of time and the increase was $90.00 per year.
Regarding whether the 150 days is consecutive or not, our insurance considers a total of 150 days of the year as needing fulltime insurance, not consecutive.
We now own a house and some of the coverage while in the motorhome is taken care of by our homeowners insurance.
My gut feeling is if I plan to travel more than a total of the 150 days of the year, I'll pick up the fulltime coverage. I don't want to give the insurance company any grounds to either not pay or to reduce their responsibility because I was in the coach for more than 150 days.
BTW, we also have an umbrella coverage for everything. Probably more than we need; but we both sleep well at night.....
Marsha~