Forum Discussion

babysnowbyrd's avatar
babysnowbyrd
Explorer
Apr 10, 2014

Can't get Insurance? Help?

I'm going to be living in my RV full-time. It's a 30' 5th wheel. I plan on hooking it up at an RV park and living there without any kind of moving or travel for about a year, after which I may be transferred to another city for my job.

I have auto insurance through Progressive, but they won't insure my RV. It seems the key thing is the part in the application asking "Does a permanently installed utility connection exist?"

I'm not sure what this means exactly. Is it talking about regular RV hook-ups? Because if so, this seems to be the deal-breaker, but I feel that this kind of hook-up is pretty standard for a full-timer.

Or is it talking about some other kind of utility connection permanently installed to the RV and not the standard electric hook-ups at parks?

I just don't understand why I can't get coverage to live in it. Are there companies that will insure a stationary RV or is this across the board?
  • sdianel_-acct_c's avatar
    sdianel_-acct_c
    Explorer
    Apr 11, 2014
    National Interstate Insurance insures full timers and the tow vehicle. Purchase through a broker.
  • tempforce's avatar
    tempforce
    Explorer
    Apr 11, 2014
    if nothing else get renters insurance for your belongings. the trailer is usually covered when traveling, under your truck insurance.
    like above if you can unplug and move anytime you want. you are not permanent...
  • Sez_Hoo_'s avatar
    Sez_Hoo_
    Explorer
    Apr 11, 2014
    I have GEICO for my insurance carrier. AS long as you tell them that you will be on the move every 30 days they cover you for full time. otherwise they put you into homeowner insurance. It doesn't make sense but it was cheaper for full timer insurance than homeowner insurance. I said do you mean to tell me that its cheaper to have the coach out on the road where the chances of something happening to it are much greater and the possibility of me making a claim is greater, than it is to have it safely parked and for the most part out of danger. She said that is correct. It was about $2000.00 a year cheaper to put fulltime insurance on it. So that it what I did, so every 30 days if I remember, I move it about a foot forward and a foot back. Most times I don't remember.
  • Community Alumni's avatar
    Community Alumni
    Apr 11, 2014
    Another thing to consider is where is your domicile? That will probably have a cost difference.

    JimR
  • Old-Biscuit's avatar
    Old-Biscuit
    Explorer III
    Apr 11, 2014
    Check with..

    National Interstate Ins.
    Bluesky Ins.
    Foremost Ins.

    They do RV insurance for those that full time/live in their rv
  • stickdog's avatar
    stickdog
    Explorer
    Apr 11, 2014
    Just google Full Time RV Insurance. All the major insurance companies that offer Full Time RV Insurance will come up, get quotes from all of them and go with what fits your budget.
  • babysnowbyrd's avatar
    babysnowbyrd
    Explorer
    Apr 11, 2014
    Thanks you guys! That's what I thought.

    I'm financing the RV and they require full coverage, otherwise, I would just forgo it.

    I just wanted to make sure I understood things correctly and that I wasn't committing any kind of insurance fraud.
  • DutchmenSport's avatar
    DutchmenSport
    Explorer
    Apr 11, 2014
    As stated above, "permanently installed utility" means you are wired directly into your camper and you cannot disconnect. It also means if you are attached to a fixed water source, that is plumbed directly into the camper. If you are using a garden hose, you are not "permanently installed". It also means you are "permanently installed" on sewage, which means the sewage pipe is attached to a septic tank or a city sewer system with no way to un-attach it.

    You are not "permanently installed" on anything. And ... you don't have to tell the insurance company you are "living" in the camper year round (you are camping! .. just happens to be for a year). Too much information is not always best. Keep it simple with your insurance company. It's a "TRAVEL TRAILER" you are camping! (It just happens you are camping for a year at the same locations! But they don't need to know that!)... get the idea!
  • Trackrig's avatar
    Trackrig
    Explorer II
    Apr 11, 2014
    As K Charles said, if you can plug it in yourself and unplug it yourself without hiring and electrician to do it, then you're NOT permanently plugged in. Look at it this way, your RV is no more permanently plugged in than your toaster is.

    Your profile doesn't say what year your 5th is, but you might consider not insuring it?

    Bill
  • K_Charles's avatar
    K_Charles
    Explorer
    Apr 11, 2014
    If you can plug it in then it ain't permanent. Did you get an electrician to wire it up?

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