I had an incredible teaching opportunity come my way and will be on the road full time for the next 6 months. When we got insurance on our Winnebago (December 2011) our agent asked if we were living in it. At the time we weren't. Now things have changed. While I can pick the normal carriers, I'm looking for a provider who has a combination of excellent coverage at a fair rate and outstanding service. I would be looking for full coverage.PM me if more comfortable.

In theory, you shouldn't have to change your coverage.Your coverage is based on miles driven to some degree, but not if you are living in it...at least I don't believe it is. I wasn't asked if I was living in my RV when I got coverage....and I got full-coverage from GMAC.That said, you may want to contact a few different agencies, to see what they say. I'm sure you'll hear from many of the F/T people on this site, who can help too.Good Luck, and success with that new job!

National Interstate Insurance specializes in full timers. They insure the RV and tow vehicle or toad. They include Coach Net roadside assistance in the policy premiums. We've used the roadside assistance once and it was great. We used the insurance for cracked windshield and they were friendly and expedited the claim. I don't know how their rates compare but they were cheaper than the other company we had before we changed to them. You can get a quote from an independent agent who carried their line.

One of the differences between fulltiming insurance and regular is that fulltimers includes liability coverage. Ordinarily you would have that with your homeowners but in our case, our trailer is our home. We also have National Interstate and have had no issues with them.Sue

since your status has changed, be honest with your insurance agent. false representation could have dire consequences.bumpy

You may want to call Farm and City Insurance in Forest City, Iowa even if you decided not to change your insurances. They will explain the difference in coverages and let you choose. They are non pressure, no obligation agency and VERY knowledgeable.

RV Insurance | Good Sam Community

12 Replies

sdianel_-acct_c
Explorer
May 18, 2013
National Interstate Insurance specializes in full timers. They insure the RV and tow vehicle or toad. They include Coach Net roadside assistance in the policy premiums. We've used the roadside assistance once and it was great. We used the insurance for cracked windshield and they were friendly and expedited the claim. I don't know how their rates compare but they were cheaper than the other company we had before we changed to them. You can get a quote from an independent agent who carried their line.
PapPappy
Explorer
May 18, 2013
In theory, you shouldn't have to change your coverage.
Your coverage is based on miles driven to some degree, but not if you are living in it...at least I don't believe it is. I wasn't asked if I was living in my RV when I got coverage....and I got full-coverage from GMAC.
That said, you may want to contact a few different agencies, to see what they say. I'm sure you'll hear from many of the F/T people on this site, who can help too.

Good Luck, and success with that new job!

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