RV Insurance

You do not need to purchase full-timer's insurance in the state where you have your driver's license.

Case in point - Many full-timers (including me) get their insurance thru Miller Insurance (located in Oregon). My domicile state is Florida.

We went through a couple of different companies before we discovered Geico. They were very easy to deal with, they know about fulltime RV'ers and they were happy to cover our off-road vehicle. They also saved us a considerable amount of money over our previous agencies. When I had to file a claim they were very helpful and took care of everything.

You need to purchase full-timers insurance in the state you have your drivers license and have established your residency. If you are in TX, is that where you are a resident? Many regular insurance companies DO NOT provide full-timers coverage which gives you contents coverage and liability coverage just like a renters or homeowners insurance as well as coverage for the rv and sometimes towed vehicles. We are residents of S Dakota and our mail service recommended someone to us. I have seen many recommend Miller Insurance Agency and you know Good Sam has full-timers coverage also.

dgravley wrote:
I am a new full time RV'er (and new at living on my own. I am in search of good insurance for my RV. Any recommendations? I bought the RV used but am making payments and I'm located in Texas if that makes a difference.

Check with these insurance brokers -- Mlller Insurance. You should also get a personal liability policy.

The main thing to consider is that "No insurance company is you friend". They are in it to make money so the stockholders are happy. Consider as high a deductible as you can afford and premiums will usually be noticeably lower is another thing to consider. I would also suggest you find an insurance broker and have them do the shopping for you as they will have more info available at their disposal to find what you need.

We full-time out of Texas and have Allied Insurance through GoodSam. Make sure when you're getting quotes from companies that you ARE specifying that you're full-time as you're going to want contents coverage AND liability.

Tell us what kind of RV

We have National General after Progressive jumped about 6 years ago with no claims in 10 years, 5 of those years as fulltimers. We have South Dakota as a domicile.

I have insurance through my regular Car ins company - I pay < $170/year for the TT