I would like to know what you do for insurance if you are full-time. The insurance company will want to know where the car is "garaged" or generally kept so they can give your the appropriate rate for your zip code.Do full-timer just give their mail-forwarding address, even though they may never have stepped foot in the place? Is that a problem when you make claims from around the country? I can imagine a claim being denied due to "fraud".The reason I am asking full-time van or car dwellers and truck camper RV'ers is that insurers are not equipped to handle full-timing for vans or trucks, but they are for other RV's.

Not all insurance companies will write coverage for full timers. Be honest up front. This gets you the coverage you need (extended liability for full timers) and the correct rate. Different companies handle the rating state differently. The same with the vehicle you attach to the RV. Some will use the state where it is registered. Others use your mailing address. Having the correct coverage and being honest up front will make sure you don't have any issues if you have a claim. National General and Progressive both write full time coverage.

Have a google at cheaprvliving.com and same u tube channel.

noteven wrote:Have a google at cheaprvliving.com and same u tube channel.Bob Wells! I will! I can't stand his beard though, lol.

mileena wrote:noteven wrote:Have a google at cheaprvliving.com and same u tube channel.Bob Wells! I will! I can't stand his beard though, lol.Oh, that's what that thing is? If the homeless look is going to trend, he is ahead of the curve. Great guy though, and a wealth of knowledge.

Neither onethis Bob grew up in Alaskahis family moved there when he was a child

Does any full-timer use a slide-in truck camper or van/car?

KPetrick
Explorer
Jan 09, 2018
Not all insurance companies will write coverage for full timers. Be honest up front. This gets you the coverage you need (extended liability for full timers) and the correct rate. Different companies handle the rating state differently. The same with the vehicle you attach to the RV. Some will use the state where it is registered. Others use your mailing address. Having the correct coverage and being honest up front will make sure you don't have any issues if you have a claim. National General and Progressive both write full time coverage.
noteven
Explorer III
Jan 09, 2018
Have a google at cheaprvliving.com and same u tube channel.
mileena
Explorer
Jan 09, 2018
noteven wrote:
Have a google at cheaprvliving.com and same u tube channel.

Bob Wells! I will! I can't stand his beard though, lol.
soren
Explorer
Jan 09, 2018
mileena wrote:
noteven wrote:
Have a google at cheaprvliving.com and same u tube channel.

Bob Wells! I will! I can't stand his beard though, lol.

Oh, that's what that thing is? If the homeless look is going to trend, he is ahead of the curve. Great guy though, and a wealth of knowledge.
MrWizard
Moderator
Jan 10, 2018
Neither one
this Bob grew up in Alaska
his family moved there when he was a child
valhalla360
Navigator
Jan 10, 2018
It's really no different from other types of RV's. You have to establish a domicile to register the vehicle and typically your insurance would be based on that location.

As mentioned, don't lie about your situation. While the odds are low, that could come back and bite you.
ependydad
Explorer
Jan 10, 2018
Contact an insurance company who knows about fulltime RVing. I'm personally going through millerrvinsurance.com but also spoke with gilainsurance.com.

They'll help guide you.
mgirardo
Explorer
Jan 10, 2018
valhalla360 wrote:
It's really no different from other types of RV's.

That wasn't the case for us. When we owned our Class C motorhome, it was insured through Geico, same as our other vehicles. When we traded it in for our Destination TT, Geico told us they don't insure stationery TTs, only TTs that are towed. They set us up with Foremost Insurance to cover our TT that stays at our seasonal site.

-Michael
valhalla360
Navigator
Jan 11, 2018
mgirardo wrote:
valhalla360 wrote:
It's really no different from other types of RV's.

That wasn't the case for us. When we owned our Class C motorhome, it was insured through Geico, same as our other vehicles. When we traded it in for our Destination TT, Geico told us they don't insure stationery TTs, only TTs that are towed. They set us up with Foremost Insurance to cover our TT that stays at our seasonal site.

-Michael

Was the motorhome stationary and did you inform them that it's stationary?

I suspect, you are confusing stationary with RV type.

Full time as it's typically used on the forum suggests, the RV will be mobile at least some of the time.
bikendan
Explorer
Jan 11, 2018
Does any full-timer use a slide-in truck camper or van/car?

i don't think you'll find many who do.