CC-skipjack wrote:
I guess I must be missing something. I'm not full timing yet, but plan on keeping my S&B home when I do. Right now my RV is covered by auto policy while towing and by the home owners policy when not. The auto add on is less than $100/yr and no additional on the home owners. So if one still owns a S&B house, why the need for the what seems to be expensive additional policies?
When towed it is covered for Liability only. No physical damage coverage on the RV unless you are paying for comprehensive and collision on the fifth wheel.
Same thing when parked. Home will cover liability but not damage to the fifth wheel itself.
Regular policies very tremendously with ACV, replacement cost or stated value coverage for the fifth wheel but the common theme between "full time" and regular policies is including liability insurance similar to what a home provides. No home, this coverage is more important. Personal effects as well although I've seen more and more standard policies including this now as opposed to just full time ones.