Forum Discussion

NewFirst_timer's avatar
Jul 30, 2015

Going full-time insurance company needs physical address.

Hello to everyone, I'm very new at this so please be patient.

I'm in the process of selling my home and purchasing class a motorhome 36 to 38 foot.

I have found out from my Erie insurance agent that I'd need a physical address so they can send me mail and I'm sure my bank and others will need it also.

I have never owned a camper/motorhome so please when you respond if you could put it in terms for someone like myself would understand.

I have more questions but for now this is the most urgent one.

Thanks to all,
Joe
  • Where are you going to claim as 'domicile state'....this will be where you have your driver licenses issued, vehicles registered, medical insurance coverage, voting etc......?????

    Not all states are 'friendly' to RV full time living.
    FL, SD , TX have been traditional RV domicile states.....ease of declaring residency.......but after ACA (Obamacare) was enacted SD became less friendly due to lack of Medical Insurance Companies/Options available and come 2016 TX may (probably) join that list due to changes by BCBS Insurance Policy.

    Used to be easy to go full time......but little by little it has gotten difficult especially if under the age of 65 (Medicare)

    Domicile state........that will determine how/what about Vehicle Ins. and above issues.

    So where are you going to 'live'?
  • NewFirst_timer wrote:
    I have found out from my Erie insurance agent that I'd need a physical address so they can send me mail and I'm sure my bank and others will need it also.

    You'll need "full timer" insurance -- that just means that in addition to the policies on your auto & RV, you also have an umbrella personal liability policy.

    We bought all of ours through Miller Insurance Agency. They shop around for the best policies.

    Whether you end up using one mail forwarding service or another, be prepared for the fact that a bank, health insurance company, etc, may not accept the address. If they don't accept it because of the Patriot Act, then you have the option of using a relative's or friend's address.

    I suggest you check out the Escapees Web Site as there are a lot of full timers on the forums,
  • You will probably need to switch companies. Full timer RV insurance is Different than a standard policy. It is part homeowners and part auto policy.

    DROP THE ERIE GUY AND SEARCH THE INTERNET
  • Set up a mail service that will give you a physical address.

    We use MyRVMail.com.

    GoodSam members get a discount on services.