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Old 12-29-2010, 10:58 AM   #1
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Insurance: RV used as park model?

Hi, we have been full timing for the last couple of years travelling throught the US and Canada but for the next 12 months we have signed up for an annual site in Florida where the MH will be parked and stored. Heres the question. Who will insure us for this type of usage? We no longer require the coverage for liability while used on the road but need to cover the vehicle and contents - almost like a mobile home or park model.

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Old 12-29-2010, 11:09 AM   #2
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Contact your current insurance company and ask them these questions...they're the experts and should be able to guide you in setting up the correct insurance for your situation.

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Old 12-29-2010, 11:12 AM   #3
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This is exactly what I needed for my HitchHiker. Most insurance companies required that I carry liability in addition to the comprehension coverage. When I stopped in at the Camping World in Orlando, I found out that the GMAC insurance that they sell will let me take comprehensive coverage (with 5 year from new replacement) without liability. No need for liability unless I take the RV on the road. Then I just call them and tell the to add it on.
Ed J - Summer->Vestal, NY Winter->Melbourne, FL
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Old 12-29-2010, 11:38 AM   #4
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When you remove liability insurance, most states require the surrender of your vehicle plates unless you register your vehicle as "non-operational". Then you CAN'T operate the vehicle on public roadways until you re-register the vehicle as operational again, which could be costly.

Those of us with towed RV units are not usually required to carry separate liability coverage, as it is part of the towing vehicle's coverages. IMHO there is no way you could convince the state your motor home has suddenly morphed into a park model.
SSgt. Richard L Ray, USAF (Retired) - Laura L Ray
Our second home is a vintage 1995 Jayco Eagle 277RB 'The Love Shack"
towed by a 2008 Ford F-250 Lariat Crew Cab short bed "The Green Goblin"

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Old 12-29-2010, 12:06 PM   #5
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Many insurance companies have policies where you notify them that the MH is in storage and the rate decreases. Maybe you could fall under that.
Brian, Loretta & Daisy (Golden Retriever)
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Old 12-29-2010, 12:09 PM   #6
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Originally Posted by LindaH View Post
Contact your current insurance company and ask them these questions...they're the experts and should be able to guide you in setting up the correct insurance for your situation.
This answer gets my vote.
John & Cathy R.
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Old 12-29-2010, 12:32 PM   #7
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I agree, talk to your insurance company. And don't forget to consider the scenarios around moving the RV inside the park; it seems like half the "accidents" I see are inside the park itself. And it's not totally unheard of to have to move during a year -- even if just to pull out for an hour while some kind of emergency maintenance is done.


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