Allstate was far from good RV coverage when we bought our first trailer. The list of things they covered missed important stuff - and their rates were almost twice of Good Sam National General RV insurance.
We still keep vehicle insurance with Allstate. We've sold the house, boat and extra vehicles so all we have with them now if the truck.
Make sure anyone you talk to understands what full-time is.
Our coverage which we have with National Interstate through the insurance agency at Escapees has - coverage for the TT, coverage for the Contents, coverage for our items in storage.
We also carry a separate umbrella liability policy.
Progressive, Good Sam and some others have RV good coverage - just make sure they understand you are full-time. Most RV insurance has two levels - less than 60 days per year usage of the RV, and less than 180 days per year usage of the RV. Only a few companies offer more than 181 days per year usage coverage.
When we went full-time, we checked with Allstate - and they would not offer coverage for 181 days or more. But which insurance coverage you can get varies within a company from state to state. So do check.
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Separately make sure you have good Roadside Assistance coverage. And if you have a newer rig - extended warranty coverage. Not only towing, but something to help cover the costs if you are unable to use your rig during repairs.
