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Out of state storage insurance

cencerrita
Explorer II
Explorer II
Keep having g problems over the years with insurance cover for storage out of state when breaking up a long trip. We have full time cover and I had thought this solved the problem. Using national general at the moment and they say they will not cover out of state.
Who do you use?
www.cencerrita.comNow living in Pembrokeshire, Wales, UK. See our web site for US travels and books www.cencerrita.com
9 REPLIES 9

jplante4
Explorer
Explorer
Being handled in the GS Insurance forum. CLOSED
Jerry & Jeanne
1996 Safari Sahara 3530 - 'White Tiger'
CAT 3126/Allison 6 speed/Magnum Chassis
2014 Equinox AWD / Blue Ox

doxiemom11
Explorer II
Explorer II
Perhaps the problem is the "length" of time you want to store it out of state.

old_guy
Explorer
Explorer
insurance companies will keep quiet and will tell you things to keep from paying you money in a claim. my brother paid a company money for storage insurance and when his unit got burgled he put in a claim and they denied it saying they don't insure storage. so My brother got a lawyer and sued them and they paid for the unit and the lawyer. they took his money so they had to pay him

ItsyRV
Explorer
Explorer
Blame state insurance regulators for this. When a state decides that an RV "stored" in that state and covered by casualty insurance is an instate vehicle (regardless of registration and title) and it must now be covered under that state's specific insurance regulations, insurance companies have to follow that rule if they want to insure in that state. Often the states disguise the reason behind "consumer protection", but I suspect there's a bit of state rights flexing going on.
1994 Itasca SunDancer 21RB - Chevy G-30 chassis.

Trackrig
Explorer II
Explorer II
State Farm covers our DP while stored in AZ along with the Jeep.

Bill
Nodwell RN110 out moose hunting. 4-53 Detroit, Clark 5 spd, 40" wide tracks, 10:00x20 tires, 16,000# capacity, 22,000# weight. You know the mud is getting deep when it's coming in the doors.

Lwiddis
Explorer II
Explorer II
How many times are you going to ask the same question?
Winnebago 2101DS TT & 2022 Chevy Silverado 1500 LTZ Z71, WindyNation 300 watt solar-Lossigy 200 AH Lithium battery. Prefer boondocking, USFS, COE, BLM, NPS, TVA, state camps. Bicyclist. 14 yr. Army -11B40 then 11A - (MOS 1542 & 1560) IOBC & IOAC grad

KPetrick
Explorer
Explorer
Cencerrita,

If you send me a private message I can have one of our agents reach out to you and see if we can get you the coverage that you need.

Keith - Good Sam Insurance Agency

Veebyes
Explorer II
Explorer II
Is this an industry thing this year? After 11 years of the vehicles, truck & trailer, being stored in a state other than the state of the insurance rep, it is a problem this year.

We spend November to April in storage. The truck does not even move. Almost zero risk to insurance company. Indoor storage on private property. Can't get any better than that.

This renewal cycle they wanted to increase premium in a big way. After much back & forth we drastically reduced items of coverage while in storage that are totally unneeded. They will be reactivated when we go back on the road.

Bottom line, the insurance company should have stayed quiet & not tried to up the premium for coverage items nor needed in storage that we had payed for so many years.

Seems like there is a crackdown on people who have units registered outside of their states of residence. We don't have a state of residence which means that we don't fit in a convenient sized box.
Boat: 32' 1996 Albin 32+2, single Cummins 315hp
40+ night per year overnighter

2007 Alpenlite 34RLR
2006 Chevy 3500 LT, CC,LB 6.6L Diesel

Ham Radio: VP9KL, IRLP node 7995

colliehauler
Explorer II
Explorer II
I have a seasonal I keep out of state. I went down to a local insurance agent where the seasonal is at and bought insurance from him.