I'm going to recommend that you use a broker that is familiar with RV policies if this is your first time going full-time as opposed to calling around getting quotes yourself. I know you'll get plenty of recommendations from those who will say "I use such-and-such-carrier" and my premium is "$xxx so I recommend my agent." ...etc.
However, the reason I recommend a broker is that there are a lot of ins-and-outs about being insured as full-timers as opposed to the week-end RVer. I know many will disagree but this is my opinion only.
Also, by using a broker, they will be able to get quotes from multiple carriers that they deal with. In subsequent years, as you get more familiar with how you want to be insured as a full-timer and for what things you want covered, etc., you can then go shopping yourself and get individual quotes ...but you'd be still free to stay with the broker you use and have them do some quote shopping or even use another broker if you wish.
A good one and one who is well known around the country for RV insurance is Miller in Lake Oswego Oregon. They are very familiar with RV insurance so can advise you in a lot of areas that you may not be unfamiliar with. They will be able to get quotes from several sources and are licensed to sell insurance in all states. However, Miller isn't the only broker that is familiar with RV insurance and I'm sure others will give you some suggestions too. Many use FCIS (Farm & City) out of Forest City Iowa. Decades ago they started marketing toward Winnebago owners as they are in the same town as the factory but now many RVers use them.
Again, there are many RV insurance brokers out there who should be able to steer you in the right direction. Many "ordinary" brokers and agents that offer full-time RV insurance are often not versed on RVs and how to insure them or even how to make sure you're adequately covered for full-timing.
To answer you question you asked, however, I don't think getting what others pay is necessarily a good way to figure what you'll pay. There are so many alternatives and ways of thinking about insurance.
For example, we insure for catastrophic events and prefer to self-insure as much as possible. Therefore, we keep our premiums relatively low compared to most people because we choose to take very high deductibles and choose to not insure for a lot of things. We don't like to claim every little thing that happens and rather pay out-of-pocket for most things.
So I can give you what we paid but I don't think it would really mean too much to you because we also were paying higher premiums because we had both vehicles inside a Montana LLC. So again, it will not mean much to you what we paid. From what I can remember, the last premium for the coach, toad, and 2-million umbrella policy was right around the $2,000/year but again would be substantially less if we didn't use an LLC. This was two years ago as we are now "retired."
Miller in Lake Oswego Oregon
FCIS in Forest City Iowa
Linear Mode
