Help with major insurance problem

[rblake39]

HELP!!! We are planning on living in Florida in a new fifth wheel. I am trying to get insurance on it now. The problem is that we will not have a truck to tow it for the first year or so. It will be stationary. I called AARP Hartford and they will do it but I can not tell them we are full timing and we have to register the cars from a different address. They have to be registered in the state we will be living in. He gave me a quote for my address in New Jersey but that wont work. We would have to leave one of our cars registered here. We need to register in Florida when we get down there. So any advice? Thanks

[Allworth]

Citizens was mentioned.

It is a State Government Agency and is the insurer of last resort for real property in Florida. They cover homes, businesses, and mobile homes if properly secured (anchored). Not RVs.

[RollandB]

Check out Foremost Insurance in Florida. They have a couple of ways to go when an RV is lived in Full Time. In Oregon where I live Foremost will insure a stationary TT or 5th wheel as a manufactured home. You won't need a vehicle if this is the same as in Florida. If it moves, they have a full timer program for that situation as well. Good luck!

[rblake39]

Thank you thank you thank you everyone. Got insurance thru Gilbert. You all are the best!!!!!!!!!!!

[lbrjet]

Gilbert is the expert and will find you an insurer. Make sure you explain your situation fully and clearly so they can find the right coverage. Just because they haven't had a hurricane in 10 years doesn't mean anything.

[sdianel_-acct_c]

Try National Interstate. They do also insure your tow vehicle.

[HappyKayakers]

There are companies that specialize in fulltimer rv insurance. I'm currently insured by National Interstate. There are others. A previous poster suggested Gilbert RV Insurance - that's a good place to start getting quotes but you can also google it.

[darsben]

rblake39 wrote:
Thanks everyone. All good info. And no, not trying to commit fraud. Something I never even thought about. I have a friend a few miles away that will tow it in case of emergency. One of the companies I called told me about a company called citizens insurance that may do it. They insure trailer homes. Anyone ever hear of them? And I know I'm probably going to pay more if I don't have a truck. But that shouldn't be long.

Seems to me you are trying to chase this problem by yourself.
GET AN INSURANCE AGENT TO HANDLE THE PROBLEM.

Then you relax

[DrewE]

Allworth wrote:

ON EDIT:

I just reread DrewE's post.

In Florida it must be registered as a vehicle OR you must pay real estate ad valorem taxes on the trailer and the land it sits on. You want it registered as a trailer. About $60 per year.

I was not aware of these specifics of Florida's tax laws. That does change my general assertion somewhat—what the department of transportation doesn't care about, the department of revenue very much does....

[rblake39]

Thanks everyone. All good info. And no, not trying to commit fraud. Something I never even thought about. I have a friend a few miles away that will tow it in case of emergency. One of the companies I called told me about a company called citizens insurance that may do it. They insure trailer homes. Anyone ever hear of them? And I know I'm probably going to pay more if I don't have a truck. But that shouldn't be long.

[westernrvparkow]

Allworth wrote:
Google the Orlando office of Gilbert RV Insurance and then call and talk to them in person rather than by internet.

They are brokers representing several companies all of whom specialize in RV coverages. It may not be cheap, but they will find somebody who will cover any combination of conditions.

ON EDIT:

I just reread DrewE's post.

In Florida it must be registered as a vehicle OR you must pay real estate ad valorem taxes on the trailer and the land it sits on. You want it registered as a trailer. About $60 per year.

Agree with looking for a different insurer, and about the fact it might not be cheap. The OP answered the question as to why it is going to be difficult and expensive. A fifth wheel in a hurricane zone with no means to move it should a storm approach is a sitting duck. It's expensive to insure a stick and brick in the hurricane zones. There are all sorts of tie down requirements for mobile homes in those zones. A fifth wheel just parked there is going to be the first thing that gets destroyed should a violent storm approach. If someone is going to insure that kind of risk, they are going to want to be handsomely compensated. If you fudge your way around those problems, just be aware that the insurance company might just use that fudge to avoid paying a big claim.

[Allworth]

Google the Orlando office of Gilbert RV Insurance and then call and talk to them in person rather than by internet.

They are brokers representing several companies all of whom specialize in RV coverages. It may not be cheap, but they will find somebody who will cover any combination of conditions.

ON EDIT:

I just reread DrewE's post.

In Florida it must be registered as a vehicle OR you must pay real estate ad valorem taxes on the trailer and the land it sits on. You want it registered as a trailer. About $60 per year.

[bgum]

Are you asking advice on how to commit insurance fraud?

[DrewE]

If you aren't moving your trailer, then it doesn't need to be registered with the DMV (unless the campground or local zoning ordinances require it). Maybe if you talked to your insurance company about something more akin to homeowner's insurance for the fifth wheel it would simplify things. Or maybe it would only complicate them more—I am not, nor do I have any great burning desire to be, an insurance agent.

[rblake39]

Sorry newman, I see what you mean. I wasn't thinking clearly 5 minutes ago. Then the light went off. But the one problem eventually will be they dont insure full timers. I guess I will have to give them a different address then the one the RV will be at. Will the insurance company accept a PO box?