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Old 08-14-2016, 10:10 PM   #1
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Full-time RV insurance for SD domicile?

I just read the entire big, old thread about insurance but it doesn't cover our insurance needs. We will be setting out soon to full-time in a new to us 12 year old Mountain Aire and will domicile in SD while DW does traveling nurse jobs. For that situation, what company and/or broker has provided you with reasonably priced insurance with good service for your RV and toad?
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Old 08-14-2016, 11:22 PM   #2
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Either one of these brokers.......they will get you comp quotes from various insurance companies.

RV Insurance

Miller Insurance Agency

We used Explorer RV and went with National Interstate Ins.
They specialize in Full Timers Insurance polices for RV and companion auto
Same type of coverage/home owners policy like a S&B House Policy PLUS
National Interstate for 7 yrs.
Fast/easy/hassle free claims dept.
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Old 08-15-2016, 09:03 AM   #3
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This is who we used...
Jim Schecter
Blue Sky Insurance
jim.schecter@risholdings.com
866 484-2583 x 532


Jim was a great help and we're very pleased ....
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Old 08-15-2016, 09:36 AM   #4
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X2 National Interstate. Four years, two vehicles, three claims, no hassles, no premium increase.


John & Diane, fulltiming since '12 02 DS, FL, Cat330, '04 Element NHSO RVM103
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Old 08-15-2016, 01:26 PM   #5
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Originally Posted by FatChance View Post
I just read the entire big, old thread about insurance but it doesn't cover our insurance needs.
I'm not sure what the difficulty is. Even though you will domicile in South Dakota, you don't have to buy your insurance there. You can use any nationwide company. The above link gives Miller Insurance. Give them a call. They are used to dealing with full-timers. They're located in Oregon but that doesn't matter. They'll search around for the best price for you. We used them for 16 years of full-timing. We were domiciled in Texas. We had them check for cheaper prices every 3 years or so and they came through for us.
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Old 08-15-2016, 02:39 PM   #6
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I don't think I have a difficulty?

I was mostly wondering about RV insurance when one does not own a home any longer and is full-timing. It seems that most of the information in that other thread was about folks who have home owner's insurance and are not full-timing and most of the information there was about those circumstances.

I am curious what differences there would be in insurance without a home policy while living and traveling in the RV year-round. Is the source of the liability coverage the only difference when one does not have a home owner's policy? It seems that some companies have use limits and do not cover full-timing, is that correct?
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Old 08-15-2016, 02:57 PM   #7
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About | Dougherty Assoc | Sioux Falls, SD | Independent Ins Agency
John Dougherty is an independent insurance agent out of Sioux Falls and will check many companies to find you what you need. Every couple of years, he looks at our premiums and moves us around to another company to keep the terms we like at the best rates. We currently have full-timers insurance through Allied/Nationwide. Before that, it was BlueSky... but their rates increased. Anyway, give John a call. 605-361-6318

By the way... you didn't say if you have your domicile ducks in a row, yet. As John was referred to us by Terri at http://mydakotaaddress.com/
it seems appropriate to point you in their direction, too. Before John can do much for you, you'll need your SD address (I believe). There is lots of info on the above website about how to do it and what they do for you.

Welcome to the full-timers club!
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Old 08-15-2016, 04:28 PM   #8
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I've been full timing for almost a yr now and have SD as my home address. I found after shopping that GEICO provided the best full timer RV and auto insurance for my 2010 Diplomat and 2015 Jeep Wrangler unlimited.
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Old 08-15-2016, 05:03 PM   #9
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Try Charles at Americas-Mailbox. Americas-Mailbox Home - mail forwarding - Americas-Mailbox Many companies represented and pricing was better than I found through any other brokers.
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Old 08-15-2016, 05:35 PM   #10
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This is somewhat related as a potential full timer, but in addition to insurance needs, does it make a difference, if you keep a mailing address, but you spend 11 months a year on the road? We're lucky enough to have relatives willing to take care of our mail, but does the insurer care if we're on the road that much? Are rates really that different for full timers vs non-full-timers?
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Old 08-15-2016, 05:48 PM   #11
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I am curious what differences there would be in insurance without a home policy while living and traveling in the RV year-round. Is the source of the liability coverage the only difference when one does not have a home owner's policy? It seems that some companies have use limits and do not cover full-timing, is that correct?
Lack of home owner or renters insurance insurance affects two things:
1. You have no other personal liability insurance (most homeowner policies include this).
2.You have no other coverage for "personal property".

That means you probably want to have both as part of your RV coverage, or as some separate policy (possible for a few people, but not common).

Personal liability covers you if you accidentally cause harm to somebody else, e.g. you spill a glass of red wine on their white carpet, or they come to harm while within your area of responsibility, e.g. get burned at your campfire.

Personal Property is your clothing, cell phones, computers, toys, portable appliances, bedding, etc., no matter where it is located. If your camera or computer gets lost or stolen, or your clothing is destroyed when the RV catches fire, PP is what covers that. Most RV Comprehensive insurance has a small amount of PP, but a homeowner policy often has a lot. You probably need a lot if living exclusively in an RV. How much "a lot" is depends on the value of your stuff, but clothing, gadgets, lawn furniture, car tow bar, and everything else not physically a standard part of the RV are probably considered "personal property".

You need to figure out what types and amounts of insurance you need for your situation and make sure the "fulltimer" policy has it, or can have riders for it added on. There is no insurance industry standard package of coverages for "fulltimers", like there is for typical home owners. You need to do some homework, or work with a knowledgeable agency and ask lots of questions about wht is covered and under what circumstances.
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Old 08-15-2016, 06:56 PM   #12
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This is somewhat related as a potential full timer, but in addition to insurance needs, does it make a difference, if you keep a mailing address, but you spend 11 months a year on the road? We're lucky enough to have relatives willing to take care of our mail, but does the insurer care if we're on the road that much? Are rates really that different for full timers vs non-full-timers?
First of all you must establish a legal domicile. That can be the address of your relative if they are agreeable
That is the address that your vehicle insurer will use as your " garaged" address

However prior to makeing this domicile decision there are many things to take into consideration.

You can consult the law firm of Shawn Loring thru Escapees and receive a one hour consultation on your personal sirtuation there is also a great article on the Escapees web site which is worth the read
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Old 08-16-2016, 08:30 PM   #13
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I've used https://www.hisage.com/coverages/motorhome/ for many years. They are located in Escondido (near San Diego)
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Old 08-16-2016, 10:11 PM   #14
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good info
RV FAQ's & Tips: RV Insurance
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