Insurance for full timers
We are just about to enter the world of full time rving and was wondering if anyone can shed some light on insurance. Any information would be helpful. We will be using a fifth wheel and based in two...
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We used miller .. Noted above and also overland to quote us prices on a full timer policy. Miller agency is in Oregon ( where we are from ) but writes and represents many states These are independent agents. There are only 2 or 3 actual insurance companies that write true "full timers" insurance that includes the personal liability component that you old homeowners provided and the true full time use. The actual company we ended up with is Progressive
Many companies write extended use policies they may call "full time" for your RV but the are more for snowbirds that still maintain a home base .. And the insurance on that home base provides your liability portion. That policy allows you to use the RV year round with no "winter layup" clause that most Rv policies contain but not constantly
Full timer Insurance rates are of course higher as you don't have a stick home .. But then of course you don't have that stick home policy to pay also. Rates are a combination of location , driving record , age and credit report. So very hard to compare someone else's policy
Many companies write extended use policies they may call "full time" for your RV but the are more for snowbirds that still maintain a home base .. And the insurance on that home base provides your liability portion. That policy allows you to use the RV year round with no "winter layup" clause that most Rv policies contain but not constantly
Full timer Insurance rates are of course higher as you don't have a stick home .. But then of course you don't have that stick home policy to pay also. Rates are a combination of location , driving record , age and credit report. So very hard to compare someone else's policy
