Insurance increase for going full-time RVing

I have a friend who works for Country Companies Insurance and she told me that they just started covering full-timers. You may check them out.

Doug

doxiemom11 wrote:
You need to purchase a full-timers insurance policy. AAA does not write coverage for full-timers. In S Dakota our full-time motorhome policy has an annual premium of around $850. That will vary based on the exact motorhome you have, your driving records, your insurance history of continuous coverage, if you also have insurance on a vehicle and your credit history. You need to establish your residency somewhere in one of the full-time friendly states and then purchase a new full-timer policy.

What insurance company are you using??

You need to purchase a full-timers insurance policy. AAA does not write coverage for full-timers. In S Dakota our full-time motorhome policy has an annual premium of around $850. That will vary based on the exact motorhome you have, your driving records, your insurance history of continuous coverage, if you also have insurance on a vehicle and your credit history. You need to establish your residency somewhere in one of the full-time friendly states and then purchase a new full-timer policy.

Also, when full timing, the insurance company has to factor in the fact that they do not know where you will be. With your stick home, they rate all the risk factors based on that location. For example, in Texas and Oklahoma, the risk of storm damage from hail, tornado and severe thunderstorms is greater than that same risk in Nevada. Loss due to wildfires is greater in some areas of California than it is in others. You can have your property wiped out by a Hurricane in Florida, not likely in Montana. But with an RV, you can be in any of the high risk areas at any time.
The basic assumption is with recreational use, the rig is at the home address most of the time and driven only part of the time. Full timers will be using the rig all the time. It will be on the road more, potentially in a high risk area longer, as well has having the need for the increased coverages such as Liability as others have well documented. However, I bet your new insurance rate is still much less than the combined amount you paid for both your recreational use RV and your stick and brick.

tropical36 wrote:

Popsie wrote:
We decided to go full time again, and sold our house. AAA bumped up our vehicle insurance $3,000 because we are going full time.

Has anyone else encountered this, and can anyone recommend an insurance company that doesn't up the rates for full timers?

Not a full timer and don't remember ever being asked by a company. Evidently it has to do with not having a home address, otherwise, what's the diff?

Several reasons but one example most used is another person trips and falls out of your RV. Your full time use “car” insurance RV policy won’t cover you but luckily your homeowners will .... providing you have one.
A “ true “ full timer “ with no other home would be personally liable and not covered by insurance. The person who was injured’s own insurance company or the individual themselves could come after you for all the expenses, including all of your assets.

http://foremost.com/

Be sure to specify fulltimer insurance, no house. They'll know what you mean. It's not cheap but it does include homeowner-style liability insurance etc.

Happened to us. I was 41 at the time. Insurance went from 1100 to 1300. Alberta Canada.

Popsie wrote:
We decided to go full time again, and sold our house. AAA bumped up our vehicle insurance $3,000 because we are going full time.

Has anyone else encountered this, and can anyone recommend an insurance company that doesn't up the rates for full timers?

Not a full timer and don't remember ever being asked by a company. Evidently it has to do with not having a home address, otherwise, what's the diff?

My rates when we went full time went up about 50% on the vehicles , but we no longer have the home insurance so it washed. You can expect it to be much higher as you are adding full time use with the liability that your old homeowners policy had.
I also agree aaa didn’t offer full time insurance when I called .. what they did offer was full year insurance meaning you would take your RV out year round on “trips” and not have what most RV policies have in a “lay up clause” which means stored for the winter or not used for some period of time during the year .you can use it anytime and every weekend but not live in it as your only home. Weekenders can eliminate that clause at a higher cost.and use the RV year round “full time” But you still need homeowner insurance to cover your personal liability. True full timers insurance includes both and yes is about as expensive as the old combination . To my knowledge there are only 3 or 4 companies that write true full time coverage .a nationwide independent agent , full time specialist like Miller in Oregon , who we used, or Overland in AZ can get you started. Of course I’m sure there are other agents.

Full timers insurance carries liability coverage. I don't believe AAA offers true full timer insurance. Check the verbiage very very carefully. Know what you're paying for and that it is adequate should you need it. When you need it, if you don't have it, it's too late. Just sayin....Dennis