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rblake39's avatar
rblake39
Explorer
Oct 30, 2015

Help with major insurance problem

HELP!!! We are planning on living in Florida in a new fifth wheel. I am trying to get insurance on it now. The problem is that we will not have a truck to tow it for the first year or so. It will be stationary. I called AARP Hartford and they will do it but I can not tell them we are full timing and we have to register the cars from a different address. They have to be registered in the state we will be living in. He gave me a quote for my address in New Jersey but that wont work. We would have to leave one of our cars registered here. We need to register in Florida when we get down there. So any advice? Thanks

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  • Allworth's avatar
    Allworth
    Explorer II
    Oct 30, 2015
    Google the Orlando office of Gilbert RV Insurance and then call and talk to them in person rather than by internet.

    They are brokers representing several companies all of whom specialize in RV coverages. It may not be cheap, but they will find somebody who will cover any combination of conditions.

    ON EDIT:

    I just reread DrewE's post.

    In Florida it must be registered as a vehicle OR you must pay real estate ad valorem taxes on the trailer and the land it sits on. You want it registered as a trailer. About $60 per year.
  • bgum's avatar
    bgum
    Explorer
    Oct 30, 2015
    Are you asking advice on how to commit insurance fraud?
  • DrewE's avatar
    DrewE
    Explorer II
    Oct 30, 2015
    If you aren't moving your trailer, then it doesn't need to be registered with the DMV (unless the campground or local zoning ordinances require it). Maybe if you talked to your insurance company about something more akin to homeowner's insurance for the fifth wheel it would simplify things. Or maybe it would only complicate them more—I am not, nor do I have any great burning desire to be, an insurance agent.
  • rblake39's avatar
    rblake39
    Explorer
    Oct 30, 2015
    Sorry newman, I see what you mean. I wasn't thinking clearly 5 minutes ago. Then the light went off. But the one problem eventually will be they dont insure full timers. I guess I will have to give them a different address then the one the RV will be at. Will the insurance company accept a PO box?
  • rblake39's avatar
    rblake39
    Explorer
    Oct 30, 2015
    It will be registered in Florida. Problem is we will not have a truck right away so no means to move it. It seems like everyone I call are not writing policies in the county it will be located in. It's in the "hurricane' zone i guess. We get more hurricanes here in New Jersey than they get I think. Always seems to miss them.
  • donn0128's avatar
    donn0128
    Explorer II
    Oct 30, 2015
    Find another insurance carrier. Some are more accomodating than others.

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