Insurance

[ixtapamayor]

What's the best insurance company for full timers?

[Pexring]

I'm not a full timer (yet), but I just switched my insurance from Progressive to LeMars out of LeMars, Iowa. Although my policy also includes my home and other vehicles, the insurance rate on my motorhome went from over $1000 a year to under $400 for full coverage with a $500 deductible. But you have to be a resident of Iowa, Nebraska, Oklahoma or South Dakota to qualify. My agent tells me that LeMars is one of the big insurers of RV's in that area and she personally has her coach insured with them as well.

[jrusselltx]

As always, your mileage may vary. My company for years was Liberty Mutual but they don't do full timers insurance. I got the best price from Geico.

[theroc]

We've been full-timers for many years and currently have Blue Sky. Their full-time package has met our needs well. Premiums for us have been very reasonable compared with other carriers as we are in a specialized situation.

Full Timer RV Insurance - Blue Sky

Their parent company is RIS LLC (Recreation Insurance Specialists, LLC) and have been around for decades.

"Recreation Insurance Specialists, LLC management has over 40 years of RV insurance experience working for national insurers in actuarial, underwriting, product management, and claims. Our managers have spent years designing insurance products that specifically address the unique needs of RVers. We are the RV Insurance People." ---> click

Many of the agencies that specialize in RV insurance will be able to write a policy from Blue Sky. At least let them give you a quote.

I'm sure there are some on this forum who don't like Blue Sky but, as I say, at least let them give you a quote so you can compare.

Others good carriers for full-timers are National General (the old GMAC), National Interstate, esurance (arm of Allstate). There are several others too and I'm sure others will add their opinions.

[Nana25K]

We have been GEICO customers for years. So it made sense that when we started full-time in 2007 we would remain. We were one of their first, if not the first fulltimer that they insured under their then program
We can certainly get cheaper, but, we have vaslued their prompt, excelkant service through our the years.
Now as with a all insurance your rates will be based on many things and including the obvious, such things as your Domiciled states insurance laws and regulations.
Just make sure that when you are checking that you are comparing apples to apples for coverage

[JFXG]

ixtapamayor..... Dozens of insurance companies cover RVs and RVers. Very few-- perhaps half a dozen or so-- properly cover fulltimers.
It is essential to be associated with a company that has long experience with true Fulltimers, not just with RVers who go on frequent long trips. When you are traveling, your coverage is vehicle based. As soon as you park and turn off the key your vehicle becomes a home. Your coverage is homeowner based relative solely to your RV, not with reference to some distant permanent structure that you call home. You need a company that has been down the road a few times and seen what can go wrong.
We have been covered as Fulltimers by National Interstate for four years, and we have been quite pleased.
Good Luck!


John & Diane, fulltiming since '12 02 DS, FL, Cat, '04 Element NHSO RVM103

[Gary RVRoamer]

The one that gives you the coverages you want/need at the lowest price. The question is, what is that you feel you need, e.g. vehicle liability, personal liability, collision, comprehensive, personal property, etc. Insurance needs vary widely, and premiums for any given package also vary widely for different individuals. The fact that someone else got a great rate from Progressive or National Interstate is almost irrelevant to you, cause your rate will surely be different. Maybe a LOT different.

Many insurers, even RV specialists that have "fulltimer" somewhere in their advertising, do NOT include any personal liability in the package. Personal liability is what pays if you spill a glass of red wine on a friend's new white carpet. Any accident that is not a result of driving the RV. It's really good to have (most homeowner's packages include it), but it's not required.

[computerguy]

Originally Posted by Nana25K

We have been GEICO customers for years. So it made sense that when we started full-time in 2007 we would remain. We were one of their first, if not the first fulltimer that they insured under their then program
We can certainly get cheaper, but, we have vaslued their prompt, excelkant service through our the years.
Now as with a all insurance your rates will be based on many things and including the obvious, such things as your Domiciled states insurance laws and regulations.
Just make sure that when you are checking that you are comparing apples to apples for coverage

I decided not to go with Geico because they did not offer replacement value for the RV.
So, when the OP asks about the "best" it is very subjective and very very specific as others have also pointed out on the thread.

[AKOne]

Discontinued National Interstate due to poor customer service by Explorer Insurance Agency, the agency that sold me the policy. Move to Progressive "Full Time" policy. Give heed to the advice provided in this thread. The breath of your coverage is just as important as the depth. Progressive's online enrollment and service is excellent.

[Indy54]

Originally Posted by computerguy

I decided not to go with Geico because they did not offer replacement value for the RV.

So, when the OP asks about the "best" it is very subjective and very very specific as others have also pointed out on the thread.

I have Geico and they do offer replacement value but the minimum age of RV has to be two years or less at the time of policy initiation. I believe this is fairly common practice. What was your circumstance when Geico told you they did not have a replacement value option?

[dlduck]

I just renewed my policy in June and went with GEICO. For those others that have also been with GEICO, do you use strictly GEICO's Road Service Plan, or do you have an additional Road Service Plan with another provider, such as Good Sam or Coach Net? I did not renew my road service plan with Coach Net this time and I am trying to find out if I will be OK with just having service thru GEICO alone. Thanks for any ideas or opinions.
Dave

[JFXG]

Originally Posted by AKOne

[FONT=Calibri][SIZE=3]Discontinued National Interstate due to poor customer service by Explorer Insurance Agency, the agency that sold me the policy. .......

Curious, AKOne. Why change carrier if it was the agent that dissatisfied you?


John & Diane, fulltiming since '12 02 DS, FL, Cat, '04 Element NHSO RVM103

[angelbones]

We're in a weird situation in that when we pick up the RV we will technically be renters of other property having just sold our house. However, in about 9 months or so, we plan on living in it. Should I explain this to the insurer? Would it be better to keep the "full time" part out of the equation until we do, or would it be ok to mention it now?

[computerguy]

Originally Posted by angelbones

We're in a weird situation in that when we pick up the RV we will technically be renters of other property having just sold our house. However, in about 9 months or so, we plan on living in it. Should I explain this to the insurer? Would it be better to keep the "full time" part out of the equation until we do, or would it be ok to mention it now?

One of the items full timer insurance addresses is liability insurance. If you don't own a home and have liability insurance it would be highly recommended to have that.
Think if someone comes to visit you and falls in the RV and is seriously injured. Liability insurance will cover this type of thing while the RV is parked.
I would always recommend being open and forth coming with the insurance company. If you aren;'t and something happens? Well, the insurance company will do an investigation. If they find you were not truthful and tell them all the pertinent facts during the application they will do WHATEVER they can to don cover you.
Have that conversation with your insurance broker and do the right thing.