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Old 10-17-2015, 06:45 PM   #1
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Insurance Rates-Full Timing~vs~Seasonal?

I was curious as to the difference in price for insuring a motorhome you live in full time as compared to one you use on a seasonal basis? Thanks in advance for your input!

Mike
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Old 10-17-2015, 06:53 PM   #2
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just throwing out an uneducated guess - double.
Insurers who know you are 'living' in a vehicle will certainly charge more: more driving time, more opportunities for accidents, and more wear and tear. They also will include primary liability coverage, whereas this is typically already part of a homeowners insurance policy on your home.
More risk = More premium
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Old 10-18-2015, 02:06 AM   #3
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Insurance Rates-Full Timing~vs~Seasonal?

Just about any insurance carrier that deals in motor vehicle coverage will cover your motor home for intermittent "camper" use. But when that motor home becomes your primary or sole residence, the game changes. There are probably only half a dozen carriers that competently and comprehensively cover full timers for the vehicle, homeowner, and liability aspects of their risk exposure. We've been quite pleased with National Interstate since we started fulltiming. Cost is a bit over $1G/pa.


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Old 10-18-2015, 06:54 AM   #4
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Quote:
Originally Posted by JFXG View Post
Just about any insurance carrier that deals in motor vehicle coverage will cover your motor home for intermittent "camper" use. But when that motor home becomes your primary or sole residence, the game changes. There are probably only half a dozen carriers that competently and comprehensively cover full timers for the vehicle, homeowner, and liability aspects of their risk exposure. We've been quite pleased with National Interstate since we started fulltiming. Cost is a bit over $1G/pa.


John & Diane, fulltiming since '12
'02 DS, FL, 3126, '04 Element

X2! There are a few insurance agencies who specialize in vehicle insurance for full timers are know our requirements. I use Miller and have been completely happy with their advise. We review coverages and companies annually.


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Full time since '07
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Old 10-18-2015, 08:59 AM   #5
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Quote:
Originally Posted by JFXG View Post
Just about any insurance carrier that deals in motor vehicle coverage will cover your motor home for intermittent "camper" use. But when that motor home becomes your primary or sole residence, the game changes. There are probably only half a dozen carriers that competently and comprehensively cover full timers for the vehicle, homeowner, and liability aspects of their risk exposure. We've been quite pleased with National Interstate since we started fulltiming. Cost is a bit over $1G/pa.
I'm an agent myself, but have my own motorcoach coverage with RLI, thru a broker - BlueSky Rv specialists, who handle several carriers that specialize and understand FullTime coverage. I write my own toad with Safeco, a LibertyMutual personal lines company, but they were way off when it comes to the motorcoach itself. While I'd prefer to write it thru Safeco, it makes no monetary 'cents', even when I am the agent collecting the commision.
The reality is, though, any company will be priced differently when based on your zip code, your geographic area. Not only do the risk present higher premiums in certain metro areas, but different state laws add to it also.
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Old 10-18-2015, 01:12 PM   #6
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We're getting ready to try a 1-year fulltiming trial run around the end of the year. I asked our agent how much it would increase our cost. His "guesstimate" was 25%.
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Old 10-19-2015, 08:36 AM   #7
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Actual: $300 more for full time vs. 1 month use per year. It only a small portion of overall RV Insurance cost. What do you pay for your full time House insurance? Lot more than $300.
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Old 10-19-2015, 09:21 AM   #8
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We were part timers (about 2000 miles/year) and used Allstate, since we have our auto and home-owner insurance with them and have done since 1971. A useful feature is that, if it's parked off the street during the colder months, you can suspend the on-the-road part of the insurance and save quite a bit. Don't know if other insurers offer that.
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