Fifth wheel ins? Liability?
I am confused about ins coverage. I used to have my vehicles all insured with Hartford (thru AARP) This included my new PU truck 2007 chev HHR and a 2000 Alpenlite 5th wheel. When I had bought the fif...
Forum Discussion
MTPockets1 wrote:outwestbound wrote:.
I have an insurance questions regarding full timing vs. anything other than full timing (weekend, etc.). I'm really only concerned with liability (slip and fall) as well as my own negligence such as injuring folks on the highway in an auto accident. I'm not willing to be in violation of insurance contracts (policies) because I've found that when claims get big, insurance companies will lawyer up and do anything they can to avoid paying a claim.
As someone planning to be a FULL TIMER, are the available insurance companies covering this use of an RV (5er)? I haven't reviewed any of these contracts yet, but if any exclusions exist for what the policy defines as full timing, that would be of great interest to me. I don't intend to have any sticks and brick home; just a mail service address, and I suspect this would be the means of defining a full timer. I gather this use also has implications for RV manufacturer warranties.
Thoughts?
We full time and found Blue Sky Insurance by reading forum posts. We now use Blue Sky who specializes in full timer insurance providing the proper liabilities coverage. We also have items in a storage facility which Blue Sky covers as well. For contact you can find them on the internet.
MTPockets1, Thanks. I'm also going to have a Florida domicile. I'll contact the insurance carrier you mentioned. What I'd like to see is the application, which is of course incorporated into the policies by reference. In particular, I want to see exactly what USE is being insured. Also, these uses must be insured up to a liability limit (usually around $500,000) that will be suitable to put an umbrella (or excess insurance) over the top of. All in, I typically ride with about $3.0 million in liability for auto related matters. Stripped down insurance products with arbitrarily low payout thresholds for risks the carrier either doesn't have expertise in underwriting or doesn't want to take the risk on would give me pause in moving forward with the "full time" plan for next year.
With a 1.5 million full timers out there, I'd imagine it's all good.
Thanks
