Insurance Without a Physical Address

Question

Hello all,I live full time RV.I’ve been looking for insurance for my F-250 truck and 5th Wheel Camper trailer.Most companies refuse to insure while I don’t have a physical address, where my truck and camper are housed.One I found will insure them without a physical address.One said they’d insure it using the current campground address, and I must call to change my address every time I move to another campground.&nbsp;But I thought I’d ask the folks here what they think, what insurance companies are best for full time RV.&nbsp;

way2roll · Answer

Just use a relative's address.

hathalm · Answer

Tell the insurance company I keep my truck and camper at the cemetery? Even if they were living, my camper would not be housed there.

Also, I think it’s best to be open and honest with them. I’m no attorney—check with one—but I think if I falsified info to them, 1. That may be a crime, and 2. In the event of a claim, they may find fraud and not pay.

Most insurance companies seem to localize premiums with varying risk for areas.

i just tell them I don’t have a house or apartment, that I live in my camper—full time RV—and where it is changes with campgrounds, maybe in weeks or months.

Usually, insurance companies don’t want that, refuse. But sometimes they do want me.

i thought I might get some good ideas here.

morsnow · Answer

Insurance is state based as every state has different requirements, that is why they require a home state even if you're full time.&nbsp;

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Insurance Without a Physical Address

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