Forum Discussion
jorbill2or
Oct 21, 2017Explorer II
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.
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.
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