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babysnowbyrd's avatar
babysnowbyrd
Explorer
Apr 10, 2014

Can't get Insurance? Help?

I'm going to be living in my RV full-time. It's a 30' 5th wheel. I plan on hooking it up at an RV park and living there without any kind of moving or travel for about a year, after which I may be transferred to another city for my job.

I have auto insurance through Progressive, but they won't insure my RV. It seems the key thing is the part in the application asking "Does a permanently installed utility connection exist?"

I'm not sure what this means exactly. Is it talking about regular RV hook-ups? Because if so, this seems to be the deal-breaker, but I feel that this kind of hook-up is pretty standard for a full-timer.

Or is it talking about some other kind of utility connection permanently installed to the RV and not the standard electric hook-ups at parks?

I just don't understand why I can't get coverage to live in it. Are there companies that will insure a stationary RV or is this across the board?
  • X3. Your hookups are not "permanent". You can leave quickly with little effort, as far as hookups are concerned.
  • Progressive does offer full time insurance, at least in AZ. But not if you have permanent hookups, solid lines from utility to rv for sewer, permanent electrical lines. You are not permanently parked, don't use that phrase because you can easily move.
  • You do not have a permanently installed connection to utilities
    You are a temporary resident, and can leave anytime that you( or your landlord) wants to leave.
  • Lots of full timers have insurance. Progressive wont cover you, maybe its time to start shopping for better company