Hopefully someone out there can assist us. I will give as much info. as possible.1. We live in NC on our own purchased land.2. We have insurance for out land, truck, shed, fence, RV and contents of all, including storm coverage.3. When we got insurance which we were under a policy that covered all, but we were told that because our RV was stationary and not on the road the insurance would be different.4. We were told that if we were to travel with the RV we would be able to call the insurance company and they would add the RV for road travel during the period we are to be gone, then take it off when we return to the way it was before we left.5. Now we are being told (we are going for 3 month) that if we leave with the RV we will need a new policy and the land will not be covered.6. On the lot I have a shed and fence and the contents of the shed with washer dryer and tools.Any ideas or does anyone have the same living conditions and who are they using for insurance....I would hate to cancel our volunteer assignment due to not having the proper coverage.

I meant to add that we leave our RV in NC and go to MA for 6 mo. then return.Thanks agesiliaus. That might be something.

joelc wrote:Hopefully someone out there can assist us. I will give as much info. as possible.1. We live in NC on our own purchased land.2. We have insurance for out land, truck, shed, fence, RV and contents of all, including storm coverage.3. When we got insurance which we were under a policy that covered all, but we were told that because our RV was stationary and not on the road the insurance would be different.4. We were told that if we were to travel with the RV we would be able to call the insurance company and they would add the RV for road travel during the period we are to be gone, then take it off when we return to the way it was before we left.5. Now we are being told (we are going for 3 month) that if we leave with the RV we will need a new policy and the land will not be covered.6. On the lot I have a shed and fence and the contents of the shed with washer dryer and tools.Any ideas or does anyone have the same living conditions and who are they using for insurance....I would hate to cancel our volunteer assignment due to not having the proper coverage.You need a new agent then get new policy's. Insurance is specific to your state but here in Tx , State Farm insures my rv 24/7 on or off the road on one policy & my acreage is another that covers all of my structures & contents ( 2 barns, rv shed ). IF we lived there the land could be converted to a " farm policy " that is similar to a homeowners policy. I also carry a very large umbrella liability policy but that is for other possible problems . SF had no problem paying for roof damage caused while I was turning to start backing into my shed and got too close to a large pecan tree.

Are you consulting with an experienced, local insurance agent working for you?

You likely do need 2 policies. The RV policy can be modified when you are parked to eliminate liability insurance when parked but would need to be modified when you travel to ensure proper coverage. The land itself should have liability coverage but you will want to talk to your agent to ensure that coverage extends to your RV while parked on that land. Full timing can be tricky and you must make sure that your agent understands exactly what you plan to do and what coverage is required to make sure you don't end up in the poor house.

Full Timing on our own lot - HELP! - Insurance ?

joelc
Explorer III
Dec 31, 2019
Bill:
I agree with you. But they want to cancel my land/fence policy when we are on the road. Won't cover if RV is on the road. We are waiting to hear back from them too.
joelc
Explorer III
Dec 31, 2019
ependydad wrote:
agesilaus wrote:
Over on Escapees this company gets a lot of recomendations: Miller's Insurance for full timers. Not sure if you can see this link on Escapees.

You should think about joining Escapees especially if you plan to full time

I've used and have spoken with the folks at Miller. Very helpful in helping to decide what you need.

I contacted Miller Ins. and filled out their on line form. Waiting to hear back from them.
joelc
Explorer III
Dec 31, 2019
TenOC wrote:
joelc wrote:
I meant to add that we leave our RV in NC and go to MA for 6 mo. then return.

Thanks agesiliaus. That might be something.

If you have a house in MA that is vacant more than 30 days your homeowner insurance may not cover the house.

When we go to MA it is not our home. We are staying with relatives. NC is my home base.
CFerguson
Explorer II
Dec 31, 2019
+another on finding new insurance carrier. Some companies cater to us, some ignore us, and others force fit what they have onto us. Sounds like your guys are the last version.
TenOC
Nomad
Dec 31, 2019
joelc wrote:
I meant to add that we leave our RV in NC and go to MA for 6 mo. then return.

Thanks agesiliaus. That might be something.

If you have a house in MA that is vacant more than 30 days your homeowner insurance may not cover the house.
KPetrick
Explorer
Dec 31, 2019
Good Sam Insurance Agency is the largest agency in the country specializing in RV insurance. We can do it all and shop it with National General, Safeco, Foremost and Progressive. With our experience we can get you the coverage's you need.

Keith Director of Good Sam Insurance Agency
ependydad
Explorer
Dec 31, 2019
agesilaus wrote:
Over on Escapees this company gets a lot of recomendations: Miller's Insurance for full timers. Not sure if you can see this link on Escapees.

You should think about joining Escapees especially if you plan to full time

I've used and have spoken with the folks at Miller. Very helpful in helping to decide what you need.
cavie
Explorer
Dec 31, 2019
We live in Florida. Our trailer is in a seasonal park in MA. We insure with Alstate. they know where it is. It is insured for replacement cost. If it goes on the road we must call them.
Bill_Satellite
Explorer II
Dec 30, 2019
You likely do need 2 policies. The RV policy can be modified when you are parked to eliminate liability insurance when parked but would need to be modified when you travel to ensure proper coverage. The land itself should have liability coverage but you will want to talk to your agent to ensure that coverage extends to your RV while parked on that land. Full timing can be tricky and you must make sure that your agent understands exactly what you plan to do and what coverage is required to make sure you don't end up in the poor house.
midnightsadie
Explorer II
Dec 30, 2019
x2 your agent needs replaced.