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ricknbecky's avatar
ricknbecky
Explorer
Feb 01, 2013

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 experiences and would recommend staying away from certain companies. I’m not just looking for the cheapest premium. I want to feel reasonably confident that if I had to file a claim, they would not start the game playing.

We had been with USAA who I feel is THE best there is, however, they do not cover RV’s Fulltime. They sub-out Fulltimers coverage to Progressive, whom we’ve been with going on three years-they’ve left me wanting to look around.
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Firstly, we have had two occasions to need road assistance for our 35 foot 5th wheel and even though stressing this, both times help showed up and had no idea. The first time, he couldn’t handle us and left - we just took care of it ourselves.
Secondly, so far every renewal, our premiums have gone up – no tickets, accidents or claims in years.

I have copied names as I have come across them but I’ve never heard of any of them. How ‘bout you.
National Interstate Bancorp South American National
Farm and City Miller RV GMAC
Gilbert RV Ins. RV America Ins. Foremost Ins. Grp.

We’re pulling a 2008 Heartland Bighorn 3055rl with a 2004 GMC Sierra 2500 HD Turbo Diesel, 98,000 miles. We’re based in Texas and been fulltiming since March 2011. Currently docked in San Antonio area while my wife receives cancer treatment.

Any feedback would be greatly appreciated.

20 Replies

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  • daytona7's avatar
    daytona7
    Explorer
    Jul 27, 2013
    I've been with National Interstate for 5 years for both my 04 5th wheel and 07 TV with No claims. Last insurance claim was something like 20+ years ago and no chargable tickets (2 Parking only) EVER in over 50 years of driving. Each year my premimums go up to almost $1,000 each a year now. NI has also messed up my premimum due dates from the 1st of the month to the 28th on my TV policy and last two years they have even put the wrong coverage dates on my insurance cards, showing that my coverage has expired. Miller Ins, the broker told me they do not offer Full-time or home owners coverage here in FL. Had tried Progressive but they never returned my call for a quote.
  • tkcas01's avatar
    tkcas01
    Explorer
    Feb 01, 2013
    I don't know this for sure, but one would think that the "risks" and therefore the rates would be higher for a rig that is in constant use, compared to one in "storage" most of the time. For example, each year I renew I have to confirm that I have another vehicle for transportation - that the RV is not my only mode of transporation. Basically I suspect the insurance companies see full-times in a different risk category with claims more likely.
  • doxiemom11's avatar
    doxiemom11
    Explorer II
    Feb 01, 2013
    Fulltimers covgerage also includes coverage for your personal belongings / contents that you have in your rv. These items would normally be covered under a homeowners or renters insuranace but because you no longer live in a home, you would need to obtain coverage thru a fulltimers coverage plan.
  • Old-Biscuit's avatar
    Old-Biscuit
    Explorer III
    Feb 01, 2013
    Linda Z wrote:
    Along this same topic - I am having trouble understanding the difference between regular coverage and full-timers coverage. The only difference I can see (and this was pretty much verified by an agent I spoke with) is that the full-timers policies include liability in case someone comes into your spot and trips over a rake and breaks their leg. Am I missing something else?

    Thanks.

    Linda Z


    Basically....LIABILITY
    It helps protect you from the idiot that hurts themselves while visiting.....in/on/around your RV.....and then sues you for being stupid.
  • Linda_Z's avatar
    Linda_Z
    Explorer
    Feb 01, 2013
    Along this same topic - I am having trouble understanding the difference between regular coverage and full-timers coverage. The only difference I can see (and this was pretty much verified by an agent I spoke with) is that the full-timers policies include liability in case someone comes into your spot and trips over a rake and breaks their leg. Am I missing something else?

    Thanks.

    Linda Z
  • tkcas01's avatar
    tkcas01
    Explorer
    Feb 01, 2013
    I have been with National Interstate through Farm & City for 7 years. Farm & City also handled the policy on my airplane back when I had one, so they are familiar with coverage for things other than autos and homes.

    The agent has always been response when I had questions and only had one claim to replace a windshield early on. While the coverage is not cheap, it seems competitive for full-time. I also like having "replacement coverage" and disappearing deductible. If this thing was ever totaled, payoff would be far more than it is worth, but it would enable me to get a pretty decent rig.

    In SD, their rates did recently jump - first increase since I have been with them.
  • JC2's avatar
    JC2
    Explorer
    Feb 01, 2013
    You might also call this brokerage company and ask for Mike Mercer. We recently changed from Progressive to Blue Sky RV Ins and saved over $600 a year.
    http://www.iigins.com/
  • Old-Biscuit's avatar
    Old-Biscuit
    Explorer III
    Feb 01, 2013
    The following companies from your list are Agency/Brokers. They handle National Interstate (and other ins. companies)
    Bancorp South
    Farm and City
    Miller RV
    Gilbert RV Ins.
    RV America Ins.

    We have been with National Interstate for 6 yrs.
    Have filed two claims...minor one in 2009 and major one 2012.
    Both claims were handled quickly, directly and no hassles. Couldn't have asked for better.
    We have 'towing' but don't know how good/bad as we have never had to use it.
    Premiums (truck/5'vr---FT on 5'vr) went down 2nd year, held steady 3rd,4th,5th yrs. and a minor increase 6th yr. due to address change.

    With a TX address your costs will be higher........we checked into change of address from SD to TX and 5'vr would have doubled/truck 50% increase.
  • tonyandkaren's avatar
    tonyandkaren
    Explorer
    Feb 01, 2013
    We've had Foremost fulltimer's insurance with roadside assistance for about 20 years. We've been completely satisfied. During that time we've filed several minor claims and one total replacement claim. We've also been towed twice and had a new starting battery delivered to our campsite.

    The claims were all settled fairly fast. Roadside assistance was quick and competent. Our premiums haven't gone up much over the years, in fact we actually got a reduction one year.

    Best wishes to your wife with her treatment.
  • HappyKayakers's avatar
    HappyKayakers
    Explorer III
    Feb 01, 2013
    Roadside assistance and fulltimers insurance are 2 separate policies.

    I started out with National Interstate for my fulltimers insurance but switched due to non-responsiveness from an insurance agency. I'm now using GMAC through Good Sam, filed one claim, no problems.

    For roadside assistance, I've had Good Sam ERS for the last 7 yrs with no complaints. I've used that policy 3 times. Whichever company you use for roadside assistance keep in mind that they all basically use the same local companies to respond. Your experience may just depend on time of day or how busy they are.

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