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Old 03-18-2013, 02:08 AM   #1
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Join Date: Sep 2012
Location: Germany
Posts: 143

Good morning,

we are from Germany and have bought in Florida a RV to travel around the beautiful country of USA. However, we can always just 3-5 months stay in United States, then fly back to Germany for 3-5 months, then we come back to United Statet, and so on.

We have a 2009 Challender Damon 377 and a 2006 Jeep Liberty. We have a U.S. driver's license.

My question is: what do we need insurance? So for example:

comprehensive, partially or full

There is much available, but certainly not all necessary.
What experience do you have?



please excuse our bad english, we are out of practice ...
2009 Damon Challenger 377
2006 Jeep Liberty
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Old 03-18-2013, 02:45 AM   #2
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Walter, Welcome back to the USA. Germany was good to me. Stationed at Neu Ulm 1976-79 in the Army. Family and I traveled all over, Oh how I miss the beer, brochen, spaetzle and sausage.

As you may know each State has its' own minimum insurance requirements.
Visit: Florida Car Insurance Center - Get FL Auto Insurance Quotes from Multiple Providers at DMV.org: The DMV Made Simple
Florida Auto Insurance Laws, Minimums, Requirements | Auto Insurance Tips
Also when your RV is in storage, advise your insurance agent of this so you policy can be adjusted and save you money.

An Insurance Broker, one who represents dozens of companies, can find you the best deal for your travel needs.

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Old 03-18-2013, 03:51 AM   #3
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Welcome to IRV2 and the USA. I use Gilbert Insurance Brokers. They represent many co's can advise you.

Cliff,Tallulah and Buddy ( 1999-2012 )
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Old 03-18-2013, 04:33 AM   #4
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Consider very good liability limits and maybe look at a $ 1,000,000 umbrella policy, which is relative cheap. You want to protect yourself as much as possible, but still keep it affordable. There are many good insurance companies. Just "google" RV Insurance and you will see the big companies, like Geico, Good Sam, Progressive, etc.
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Old 03-18-2013, 04:50 AM   #5
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Another good broker to contact is Farm and City.

They handle a lot of RV insurance and I was very satisfied with them.
Adios, Dirk - '84 Real Lite Truck Camper, '86 Wilderness Cimarron TT, previously 4 years as a fulltimer in a '07 DSDP

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Old 03-18-2013, 04:59 AM   #6
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Contact GMAC for a quote also. You can adjust your policy when your RV is in storage and pay a miminum to keep it covered.
Del & Lori 2007 Diplomat 40PDQ - 2009 Jeep Wrangler Unlimited Rubicon. M&G brake system
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Old 03-18-2013, 10:24 AM   #7
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You are legally required to have liability insurance for damage you may do to others, both human injury or property damage. The state of Florida sets some low miniums, but I suggest that you get a substantially higher amount because the cost of hospital care in the US is huge and it is not hard to do $50,000 worth of property damage in a motorhome accident. Just hitting a couple cars can do that!

There is another medical coverage called Uninsured Motorist (UM), which covers YOU in case of injury by someone else who has no insurance. That shouldn't happen, but it does. If you have other medical insurance that covers you while in the USA, you won't need the UM coverage, but otherwise it is a good idea.

To protect yourself, you will want to have collision insurance sufficient to repair or replace your coach, plus some personal property coverage to replace any of your own goods (clothing, electronics, etc) that may be damaged in an accident. You also want to have comprehensive coverage (sometimes called "other-than-collision") to repair or replace your RV if it is damaged by something like a storm or fire, or is stolen.

Last, Roadside Assistance & Towing insurance is recommended in case of mechanical breakdown. Insurers usually offer towing insurance, but you can get better coverage by contracting separately with a RV roadside assist company like Coach-Net or Good Sam Roadside Assist. I would decline the towing coverage the insurance agent will suggest and go with one of those two.

Hope this helps with the "what do I need" question.
Gary Brinck
Former owner of 2004 American Tradition
Home is in the Ocala Nat'l Forest near Ocala, FL
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Old 03-18-2013, 02:16 PM   #8
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I just signed with GMAC. Chris Greer (314-493-8254) was exceptional. I went through Good Sam to get their discount.

Get at least 250K/500K liability. Also get a Fulltimers policy that covers you while parked when guests are in your coach. If they fall you would need this. This is similar to homeowners insurance when you own a home. You also should have some sort of medical coverage and uninsured motorist, etc. etc. etc. Any good agent can tell you what the requirements are.
FMCA #F431170, GS #822128658, Escapees SKP #112655
2012 Airstream Mercedes Interstate Class B
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Old 03-20-2013, 01:41 AM   #9
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Hi Doggy Daddy,

I am glad that you liked it in Germany. You are always welcome to sample "Bier, Brötchen and Spätzle :-).

But there is much more in Germany even though Germany is much smaller than the United States, there are beautiful landscapes and above all the nice people who are looking forward to your visit. Perhaps we can even meet in Germany?

Thank you for the many references. I will read them all. From 01may13 to 30aug13 will be my wife and I travel around the United States. Our plan is about: Orlando/Fl. to New York City, then west to Missisipi, down Route 61, storage in Houston / Tx.

Thanks a lot.

please excuse our bad english, we are out of practice ...
2009 Damon Challenger 377
2006 Jeep Liberty
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