Insurance for full timers

We just updated with Foremost and they quoted Progressive as the best combination of coverage and price for full timing in South Dakota per our needs. We were previously with Brown and Brown of Kentucky through Foremost.

For those of you using Geico, are you fulltimers? If so, does your policy have the fulltimer liability portion? When I shopped in Texas, Geico said they had fulltimer insurance, but it didn't include that liability portion, and I read about someone in South Dakota who had the same issue.

And I'm not asking if Geico sold you a fulltimer policy--I'm asking if you have this exact element of coverage (it will be specified in the itemized list of coverages).

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

Captain_Happy wrote:
Just like any other insurance, they quote a low price to get your business then the next year here comes the rate increases. My Progressive policy jumped $150.00 this year. Time to start shopping again. And when I was with Geico they did the same thing.

I do the same. It's about a 3 year cycle, for me its,,,,
Geico
Progressive
USAA

Just like any other insurance, they quote a low price to get your business then the next year here comes the rate increases. My Progressive policy jumped $150.00 this year. Time to start shopping again. And when I was with Geico they did the same thing.

Your should purchase insurance in whatever state you are establishing or keeping your residency at. If you will use a mail forwarding service, they can recommend an agency as they deal full-timers daily. We are domiciled in S Dakota and used a local agency, purchased our full-timers policy thru Progressive. The agent was able to quote 4 different companies policies. I think they were Progressive, National General, Blue Sky (may not be doing anymore) and I don't remember the last one. Maybe a google search for the state you need.

Your should purchase insurance in whatever state you are establishing or keeping your residency at. If you will use a mail forwarding service, they can recommend an agency as they deal full-timers daily. We are domiciled in S Dakota and used a local agency, purchased our full-timers policy thru Progressive. The agent was able to quote 4 different companies policies. I think they were Progressive, National General, Blue Sky (may not be doing anymore) and I don't remember the last one. Maybe a google search for the state you need.