RV insurance for a one-rural-site, never-moves fifth-wheel?
I got tired of paying property taxes and all the expenses of my big house and yards--and sold it all and bought myself a ten-years-old 38' fifth-wheel that is now my sole domicile on the Texas ranch of a relative. I have no plans to ever move the RV and it simply rests on its wheels next. (It has its own permitted septic field and is in compliance with all state and county code.)
Perhaps the $9,000 cost of such an old RV is not cost-effective to insure. (?? I don't know so I'm asking.) But I would at least want to have the usual "homeowner's liability coverage" so that if some visitor stubs their toe on the step inside, I would have the usual protections. Where do I start in looking for insurance?
Some have told me that "full-timing" in a RV that never goes on the road is usually treated as an add-on to a homeowner's policy--but I no longer have a conventional home. The RV is where I live and I don't even commute anymore because I'm retired.
Legally, my RV is not treated as a "mobile home" because it remains portable and the only steady connection is my electricity cable. I only connect to a small rainwater-gutter capture system every few days and only drain to a septic attachment when my tank is full. So I don't technically fit the definition of a fixed structure or have a separate utility account. Some people have told me to keep my trailer plate and tag current but I don't know if that impacts the insurance situation or not. I suppose I could legally take it on the road if I wished to take it in for repairs but in Texas I could get a short-term permit for that as an alternative.
So what would you suggest?
Perhaps the $9,000 cost of such an old RV is not cost-effective to insure. (?? I don't know so I'm asking.) But I would at least want to have the usual "homeowner's liability coverage" so that if some visitor stubs their toe on the step inside, I would have the usual protections. Where do I start in looking for insurance?
Some have told me that "full-timing" in a RV that never goes on the road is usually treated as an add-on to a homeowner's policy--but I no longer have a conventional home. The RV is where I live and I don't even commute anymore because I'm retired.
Legally, my RV is not treated as a "mobile home" because it remains portable and the only steady connection is my electricity cable. I only connect to a small rainwater-gutter capture system every few days and only drain to a septic attachment when my tank is full. So I don't technically fit the definition of a fixed structure or have a separate utility account. Some people have told me to keep my trailer plate and tag current but I don't know if that impacts the insurance situation or not. I suppose I could legally take it on the road if I wished to take it in for repairs but in Texas I could get a short-term permit for that as an alternative.
So what would you suggest?
