Insurance for Fulltimers

Hello, I need help with auto insurance, because I live fulltime. I have a policy from Progressive for my travel trailer. My insurance company for my Jeep, which just gave me a new agent after the old one retired, went rogue on me and first increased my rate by $20 a month, and now wants to increase it by an additional $31 because of where it is garaged. I have threatened in email just now to fire them if they go through with this rate increase.

Please direct me to an insurance company who deals with people who live on the road year-round for my Jeep.

Yes, its normally more expensive because a true "Fulltimers" policy is a combination of vehicle & homeowner coverages. When you no longer have a S&B homeowners policy, you are missing the personal liability coverage. As a Fulltimer, you also normally want a much higher "contents" coverage limit, than allowed in a typical vehicle policy.
When you applied for and accepted your previous normal RV policy, one of the conditions of that policy was that you do not live in the RV more than 5 months a year. If you now live in it fulltime and haven't notified the insur company, technically you're in violation of the policy terms.

roachcoach wrote:
Is insurance for full timers more expensive. We have had Good Sam insurance for sometime and never notified them when we went fulltime.

Fulltime.

That is a interesting term. You 'are' parking someplace sometime. . . .

So you are traveling part time, and parked the rest of the time.

Many use their kids home address for things like DMV paperwork, and such. They also need to have a 'real' address for the insurance company to base their rates on. My friend used her brother's house in Wyoming. It seems that rural area has really low auto theft rates, and low insurance rates in general. And she only travels from his home for 360 - 365 days a year, so is back there for a while each year. or two. . .

Call them and find out!

Also check with [escpaees.com]Escapees.com and see who they might recommend as a insurance provider when you have a RV. They understand full timing. It is also a great club to join, as they have very large sites in their campgrounds in several states.

One Escapee campground is near Yosemite. My other friends who are full timing stayed in the Escapee campground in Washington and was thinking about buying a lot there, but I said 'check out Coarsegold SKP park!' and they ended up buying a lot there. They like to do some maintenance on their RV themselves, and the members who own lots can use the barn. Another friend was staying there and had a leak in her roof, and used the barn to repair it - out of the rain. Perhaps stretching the rules a bit, they did not seem to care, as she had a leaking roof, and it was not that big of a deal. . . The barn is for storing the lawn care equipment, but also can be used to make small repairs, or perhaps change your oil. . .

Most of the SKP parks have the ability to collect and deliver refilled propane tanks. Handy for the full timers how are not moving their trailers anymore.

The campground in Congress AZ is really large, and it is a great place to full time in one location for the winter! In the summer, it will be really hot, but nearby mountains are a relief, where you can drive to 5,000' in elevation in a few miles, to a much cooler area to have a picnic.

Good luck!

Fred.