State Farm Rejects Mail Forwarding Addresses for RV Insurance Policies

[Trivet]

By way of example, my Personal Umbrella Liability policy covers claims for $1,000,000 over my auto and homeowners limits both of which covers claims up to $500,000. It also covers $1,000,000 over a nominal $250 deductible for claims not covered by my auto or homeowners policies.

What is an example of a claim that your umbrella policy covers but that is not covered by your auto or homeowner policy? The word "deductible" doesn't appear in either my umbrella policy or the umbrella policy declarations.

The policy itself says: "We will pay for damages, in excess of
the retained limit, that an insured becomes legally obligated to pay because of bodily injury or property damage resulting from an
occurrence."

This is what I'm referring to when I say the umbrella policy increases the policy limits.

I have not seen the Progressive Full Timers insurance coverage.

My Progressive RV insurance policy includes a "Fulltimer's Package." The policy language: "If you pay the premium for this package, we will provide Full Timer’s Personal Liability Coverage, Full Timer’s Medical Payments Coverage, Full Timer’s Loss Assessment Coverage, and Full Timer’s Shed Contents Coverage."

It's listed on my breakdown of coverage as a separate item, like how comprehensive or collision coverage is. The yearly premium is $89, and has been $89 since 2017. That's really cheap, which makes it a huge shame if the only reason fulltimers don't have it is that they don't know that no longer having homeowner or renter insurance is leaving them bare.

This is what was missing from the Geico policy they tried to sell me, and I'm trying to find out if State Farm policies include it.

 

[garyb1st]

What is an example of a claim that your umbrella policy covers but that is not covered by your auto or homeowner policy?

A true Umbrella policy does not define what is covered. It provides coverage for any loss not specifically excluded.

An excess liability policy increases the liability limits of the nsurance policies listed on the declarations page. It does not provide any additional coverage.

The word "deductible" doesn't appear in either my umbrella policy or the umbrella policy declarations.

You state that your policy does not have a deductible but you mentioned it does have a retained limit. A retain limit is a term used in an umbrella policy. It is the amount paid by you in the event the policy provides coverage for a loss that is not covered by your primary insurance. That is effectively a deductible. It sounds like the Progressive policy is an Umbrella and not an excess liability policy. The retained limit on my Umbrella policy issued by AAA is $250.00.

 

[Trivet]

My policy says this:

“Retained limit” means the required minimum limit of liability for the applicable personal lines insurance coverage shown in the Schedule of Underlying Insurance on the Declarations.
and
"Underlying insurance" means the types of personal lines insurance coverages for which limits are shown in the Schedule of Underlying Insurance on the Declarations.

It's $300,000/$500,000/$100,000 in my case.

I'm still curious about what sort of claim an umbrella policy would cover that's not covered by the auto and fulltimer liability underlying insurance. I'm left with a lot of exposure since my umbrella policy doesn't have a deductible $250 deductible like yours.

Or, actually, maybe a different thread would be best.

What I really want to know is whether fulltimers who have insurance through State Farm have personal liability coverage as part of their RV insurance.

 

[garyb1st]

As I mentioned, the policy does not state what is covered. It states what is excluded or not covered. Unlike an Automobile or Homeowners policy, Umbrella Liability Insurance is not written on a standardized form. A company can insure whatever risk they are comfortable with. The key is in the exclusions. If it's not excluded, it's covered.

I did a brief internet search for an example of coverage available on an Umbrella policy that is not covered by a standard Auto or Homeowners Insurance policy. The example stated is Libel, slander, false arrest, malicious prosecution and the like. The reason these are not covered by an auto or personal liability policy is that claims of this nature do not involve bodily injury or property damage.

 

[UTTransplant]

We bought an umbrella policy when a friend of ours was sued for damages after his daughter had an auto accident that resulted in a major TBI of a passenger. It was his car, and even thought she was in her early 20s, he was a much better target for recovery. The settlement was in excess of his automobile policy, but it was covered under his umbrella. We also wanted just some additional coverage for injuries in our home for housekeepers and landscapers. It really doesn’t cost, and the peace of mind is definitely worth it for us.

 

[Adventurous Traveler]

insurance agency that specializes in RV insurance.

I'm not sure if this holds the same importance it once did, now that you can shop and get insurance answers online. My agent, with whom I have been a client for 20 years or more, with one vehicle or another, will be my former agent starting June 1. Besides service issues highlighted in another thread, the final deal breaker was when I went back to Progressive with my RV after just 8 months with NYCM, as suggested by my agent. My new Progressive premium is approximately $400 less yearly, and with better coverage, than when I had Progressive through the agent.

Try Roamly RV insurance

Number one rated RV insurer from Forbes, Progressive is number 2.

 

[garyb1st]

Number one rated RV insurer from Forbes, Progressive is number 2.

Who is Number one?

 

[Crisscross]

To be sure, it's a complication for people without any fixed address, but (as is often the case) it's a restriction intended to reduce fraud. In this case, people using alternate addresses simply to get lower premiums. Regulations like this inevitably inconvenience people outside of the statistical norm in the attempt to make things better for the majority.

If there is no friend or relative with an address you can use, I suggest an arrangement with an attorney's office or a bank's trust dept to act as your legal address. A formal arrangement like that has the air of legitimacy and is unlikely to be challenged.

Yet the State Farm agent literally told their client above to just give them another physical address. This is not about fraud prevention. This is about the insurance companies trying to create hoops that support their policy increases passed along to customers.

 

[Crisscross]

I don't know the answer to that. I merely point out that personal liability is an optional coverage and that there is no insurance industry standard offering named "fulltimer", with or without some extra personal liability coverage. You are assuming that every "fulltimer" lacks personal liability coverage and every "short-timer" already has it, but neither of those is universal.

But your point is well taken. Any RVer is vulnerable to accidents while "on the road" and perhaps especially in and around campsites. Your vehicle liability ends when you park, so if you don't have some form of personal liability insurance, you should consider adding it to your portfolio. Home owner policies near always have it, and often renter policies as well. So-called "umbrella liability" coverage may be included in business or professional insurance. Standalone CPL (Comprehensive Personal Liability" is available from various insurers too, but maybe not from common names like Progressive or Allstate.

Your bold statement is simply not true. If your car catches fire after you park it and causes damage to something else your auto
Policy liability will cover that.

 

[garyb1st]

Your bold statement is simply not true. If your car catches fire after you park it and causes damage to something else your auto
Policy liability will cover that.

You're misreading or perhaps misunderstanding the issue. The issue is whether or not an automobile liability policy applies to claims arising out of the activities of the owner when away from the automobile.

The topic of this thread is whether or not a full timer policy provides coverage for personal acts away from the premises. The premises of a motorized RV are pretty much the RV itself and includes claims arising out of those entering and exiting the RV. If you allowed your campfire to get out of control and it caused a fire in another RV, you would be hard pressed to get your auto insurance company to pay the claim.

If the fire was caused by your personal negligence then, without a personal liability policy, you would not have coverage. A Full Timer policy, if it includes what is known in the Insurance Industry as Personal Liability Insurance, would provide coverage.

 

[Adventurous Traveler]

Who is Number one?

Roamly.

 

[garyb1st]

Roamly is an insurance agency, not an insurance company.

 

[Adventurous Traveler]

However, it is still rated number one for the best place to get RV insurance, according to Forbes.

 

[Trivet]

As I mentioned, the policy does not state what is covered. It states what is excluded or not covered. Unlike an Automobile or Homeowners policy, Umbrella Liability Insurance is not written on a standardized form. A company can insure whatever risk they are comfortable with. The key is in the exclusions. If it's not excluded, it's covered.

I did a brief internet search for an example of coverage available on an Umbrella policy that is not covered by a standard Auto or Homeowners Insurance policy. The example stated is Libel, slander, false arrest, malicious prosecution and the like. The reason these are not covered by an auto or personal liability policy is that claims of this nature do not involve bodily injury or property damage.

Yes, my umbrella policy specifies that it covers libel, slander, etc. in a separate section. What I'm asking about is an example of bodily injury or property damage that an umbrella policy would cover when the person with the umbrella policy doesn't have underlying insurance that covers it, i.e., something the umbrella policy increases the coverage for.

 

[Gary RV_Wizard]

What I'm asking about is an example of bodily injury or property damage that an umbrella policy would cover when the person with the umbrella policy doesn't have underlying insurance that covers it, i.e., something the umbrella policy increases the coverage for.

What you are asking about is a Comprehensive Personal Liability (CPL) policy. In most cases those coverages are bundled into a homeowner or renter package, but there are companies that write CPL as separate policies. Probably not your friendly Progressive or Allstate agent, though. You will likely need to talk to an independent agency that handles a broad range of commercial & personal policies

 

[Trivet]

What you are asking about is a Comprehensive Personal Liability (CPL) policy.

No I'm not.