Full time RV Insurance

Look at Gilbert Insurance out of Florida. They cater to the RV industry and full-timers. They are an independent agent. We have used them for years and they can answer all of your questions. https://www.gilbertrvinsurance.com/

Soos, thank you for the correction. Evidently the Nationwide Insurance agent I spoke to did not know his own company because he told me that Nationwide did not have full-timers insurance, which I thought was weird because they are recommended by AARP and AARP should be aware that lots of seniors, retiree’s, etc., have a full-time RVing lifestyle.

Larryzv7 wrote:


I was with Progressive but did not like their insurance, then I went to Liberty Mutual but they keep raising my rates even though I had no claims, then I went with AARP’s Nationwide Insurance program only to find out they insured me but it was not full-timers insurance. Nationwide does not have full-timers insurance. Now I’m with Good Sam’s National General Insurance and so far I like it.

Nationwide does have fulltimers through Victoria Insurance, which is owned by Nationwide. Our fulltiming policy is with them.

Sue

I got National General Insurance thru Good Sam, used to be called GMAC, and I found out that if you only get a 6-month full-timers policy it is less expensive than buying a 1-year policy. What I am saying is that two 6-month policies from National General Insurance cost less than a 12-month policy from National General Insurance. An I do have an umbrella plan.

I was with Progressive but did not like their insurance, then I went to Liberty Mutual but they keep raising my rates even though I had no claims, then I went with AARP’s Nationwide Insurance program only to find out they insured me but it was not full-timers insurance. Nationwide does not have full-timers insurance. Now I’m with Good Sam’s National General Insurance and so far I like it.

TechWriter wrote:

Be careful of terms. For example, Progressive's Full Timer's Package does not contain umbrella liability coverage.

Old-Biscuit wrote:

Then Progressive is playing games with terms........what they are offering is NOT a full timer coverage.
Our full time coverage thru National Interstate (a ins. company that specializes in full time rv coverage) is.
Same policy with same coverage I had on my S&B plus.....

That's my point. Someone just starting out will probably not know this.

GoPackGo wrote:
I do not believe that is accurate. I have National Interstate and I do not see any relationship to Good Sam or GMAC.

You are correct, I checked the website again and GMAC is now National General Insurance.

TechWriter wrote:

Old-Biscuit wrote:

TechWriter wrote:

ricklord2001 wrote:

TechWriter wrote:
We bought ours through Miller Insurance, an insurance agent, and ended up with GMAC for our toad and Victoria for our RV.

For full timers, you should also get umbrella coverage.

Tech writer
Just curious why does a full-timer need Umbrella coverage anymore than a s&b. Not arguing just looking for info as were starting fulltime the end of next month for a year or longer.

Two reasons:
(1) The coverage you get on your RV & car covers less than a house.
(2) House is in one place. RV is moving around so more risk exposure.


Basically, umbrella covers the gap caused by (1) & (2).

That's what a 'Full Timer' insurance policy takes care off.
Same type of policy that is on a S&B home.

Not necessarily.

Be careful of terms. For example, Progressive's Full Timer's Package does not contain umbrella liability coverage.

Then Progressive is playing games with terms........what they are offering is NOT a full timer coverage.
Our full time coverage thru National Interstate (a ins. company that specializes in full time rv coverage) is.
Same policy with same coverage I had on my S&B plus.....

I do not believe that is accurate. I have National Interstate and I do not see any relationship to Good Sam or GMAC.

Thanks for the info, all. One thing that was a shock to me is the cost of full timer RV insurance. Wow!

If I'm seeing the websites correctly, GMAC is now National Interstate which is Good Sam. Is this correct?

Old-Biscuit wrote:

TechWriter wrote:

ricklord2001 wrote:

TechWriter wrote:
We bought ours through Miller Insurance, an insurance agent, and ended up with GMAC for our toad and Victoria for our RV.

For full timers, you should also get umbrella coverage.

Tech writer
Just curious why does a full-timer need Umbrella coverage anymore than a s&b. Not arguing just looking for info as were starting fulltime the end of next month for a year or longer.

Two reasons:
(1) The coverage you get on your RV & car covers less than a house.
(2) House is in one place. RV is moving around so more risk exposure.


Basically, umbrella covers the gap caused by (1) & (2).

That's what a 'Full Timer' insurance policy takes care off.
Same type of policy that is on a S&B home.

Not necessarily.

Be careful of terms. For example, Progressive's Full Timer's Package does not contain umbrella liability coverage.