YOUR opinion on Fulltime insurance, PLEASE
I’m looking for opinions on Fulltime RV Insurance from those of you who have had opportunity to use it and have been satisfied with the performance and, by elimination, those who have had poor experie...
Forum Discussion
waltfire wrote:
Do you really need to claim you are full time? I am about to go full time my 5er is under farm bureau insurance with my truck. I don't want to rock the boat with rates, they are good right now. Not sure why it would matter, with some of the posts I read seems like full time means it is stationary and living in it full time, that's just not the case for us we travel..
Do you stop traveling at night? Do you sometimes stop for a few days or a week or month, etc.?
FT Insurance is liability insurance similar to homeowners insurance. As a FTer, you most likely do NOT have homeowners insurance any more. Whether you are traveling or sitting, you need the liability coverage and the contents coverage provided by FTers insurance. Our agent explained it this way, "If you could pick up your RV and shake it, anything that is not attached and would fall out are the contents covered by FTers Insurance. And to cover those clumsy people that come to your site and hurt themselves while you are sitting at a site (even if only for one day) you need FTers Insurance. Your normal liability Insurance covers you while moving, but you have to stop at night, FTers Insurance covers you during these stops, whether for one night or 6 months.
My $250K FTers Liability only added $78 per year to my policy. If your present company does not offer specific FTers coverage (My original company, Allstate, did not)then you NEED FT coverage.
I hope this helps with your confusion.
