DW and I are narrowing our search for a Class A for full-timing. Currently all of our insurance needs are under one carrier, Allstate. We're just not sure how things would work if the coach were in an accident and needed repair. What would happen to us? What to make a good first choice for coverage when we make our purchase and not have to change afterwards. I am sure there are some companies out there who cater to the full-time lifestyle. Looking forward to some guidance as to what to ask or companies with a good track record.

I think I'd start by asking Allstate.

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.-----------------------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.

If you're going to full-time, then I'll assume that you won't own a home.If that's the case, then the typical household insurance carriers, like Allstate, State Farm, etc., may not be your best choice.Since we started full timing, we used Miller Insurance Agency. Because they're an agency, they can pick and choose the best policy for you. You'll also want to get an umbrella liability policy. I think ours is about $250/year for $1M in coverage.Finally, you'll probably want a road service like Good Sams or Coach-Net.

There's only about three insurance companies that will insure you full time. Coverage is decidedly different than regular insurance. We used Explorer Insurance and insure through National Interstate. So far, we've been very pleased with their service having had several claims with them over the past six years.....full timer insurance is more expensive though...keep in mind your insurance must cover someone if they're injured while visiting etc. much like your homeowner's insurance on your stix n brix.....Dennis

I also use Miller Insurance. I have National Interstate through them.You will want "Full Timer's Insurance". It is a different policy then the normal camper/RV insurance that you would get from Allstate, etc. The reason is that you are using your rig 100% of the time instead of only weekends during the summer, so you have more exposure to stuff happening. If you call Millers and just say the words 'Full Timer's Insurance', they will know exactly what you are talking about, as opposed to Allstate, or State Farm, etc.And, FWIW, since I have a truck and a 5th wheel, I made sure to have my truck insurance and 5er insurance through the same company. I do not want any kind of an insurance fight if both vehicles are damaged in the same accident - I want ONE insurance company to handle everything. You may want to consider that if you have a toad.TimTim.

What should I look for in insurance coverage for full-timing

12 Replies

PawPaw_n_Gram
Explorer
Jan 25, 2015
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.

-----------------------

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.
2oldman
Explorer II
Jan 25, 2015
I think I'd start by asking Allstate.

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What should I look for in insurance coverage for full-timing

12 Replies

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