Insurance increase for going full-time RVing

change your residence to South Dakota... insurance is about 60% of Texas rates...

I'm from South Dakota and my insurance went up 20%. Record Rv sales, insurance companies can charge whatever they want ... too many people watching youtube vids and becoming fulltimers.

Anybody reach the age of 70 lately?

As almost any business can do, Steph. Shop around and I believe you can save money.

They don't know how to drive you get to repair their RV.

path1 wrote:
Anybody reach the age of 70 lately?

I'm 43.

Full timers insurance carries liability coverage. I don't believe AAA offers true full timer insurance. Check the verbiage very very carefully. Know what you're paying for and that it is adequate should you need it. When you need it, if you don't have it, it's too late. Just sayin....Dennis

My rates when we went full time went up about 50% on the vehicles , but we no longer have the home insurance so it washed. You can expect it to be much higher as you are adding full time use with the liability that your old homeowners policy had.
I also agree aaa didn’t offer full time insurance when I called .. what they did offer was full year insurance meaning you would take your RV out year round on “trips” and not have what most RV policies have in a “lay up clause” which means stored for the winter or not used for some period of time during the year .you can use it anytime and every weekend but not live in it as your only home. Weekenders can eliminate that clause at a higher cost.and use the RV year round “full time” But you still need homeowner insurance to cover your personal liability. True full timers insurance includes both and yes is about as expensive as the old combination . To my knowledge there are only 3 or 4 companies that write true full time coverage .a nationwide independent agent , full time specialist like Miller in Oregon , who we used, or Overland in AZ can get you started. Of course I’m sure there are other agents.

Popsie wrote:
We decided to go full time again, and sold our house. AAA bumped up our vehicle insurance $3,000 because we are going full time.

Has anyone else encountered this, and can anyone recommend an insurance company that doesn't up the rates for full timers?

Not a full timer and don't remember ever being asked by a company. Evidently it has to do with not having a home address, otherwise, what's the diff?

Happened to us. I was 41 at the time. Insurance went from 1100 to 1300. Alberta Canada.