Go Back   iRV2 Forums > MOTORHOME FORUMS > MH-General Discussions & Problems
Join iRV2 Today

Mission Statement: Supporting thoughtful exchange of knowledge, values and experience among RV enthusiasts.
  This discussion is proudly sponsored by:
Please support our sponsors and let them know you heard about their products on iRV2
Thread Tools Search this Thread Display Modes
Old 02-19-2013, 09:35 AM   #1
Junior Member
Ford Super Duty Owner
Join Date: Feb 2013
Posts: 13
Newbie, Insurance & acronym Q's

Hi everyone! I love this site. I need help figuring out who to buy RV insurance from and what I need. I also can tell all the information in all the forums is great but I don't have a clue what your talking about because so many acronym's are used. It's all Greek to me! (so is insurance and roadside). Please advise what is most important and best company for the money. Tight budget.

I will be a full timer, traveling alone, gonna tow a trailer with car on it. HELP! Picking up RV in Las Vegas March 1st. Thanks, RescueAngel

rescueangel is offline   Reply With Quote
Join the #1 RV Forum Today - It's Totally Free!

iRV2.com RV Community - Are you about to start a new improvement on your RV or need some help with some maintenance? Do you need advice on what products to buy? Or maybe you can give others some advice? No matter where you fit in you'll find that iRV2 is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with other RV owners, see fewer ads, upload photographs, create an RV blog, send private messages and so much, much more!

Old 02-19-2013, 02:56 PM   #2
Moderator Emeritus
SarahW's Avatar

Fleetwood Owners Club
Ford Super Duty Owner
Join Date: Oct 2011
Location: In a lawnchair
Posts: 11,201
I'd advise you to start with your car insurance agent to discuss which vehicle insurance coverage is best for you. Aside from regular insurance, you might consider roadside assistance in case you ever break down or have a flat. We use Coach-Net but have never actually had to use them.

As for acronyms...which ones are confusing to you? Just ask and someone will explain. We were all newbies at one time.

Sarah (RVM69), Hubby, and Harry the RVin' Dog
.......2012 Fleetwood Bounder 33C | 2012 Jeep Wrangler

SarahW is offline   Reply With Quote
Old 02-19-2013, 09:15 PM   #3
Senior Member
sdennislee's Avatar

Monaco Owners Club
Winnebago Owners Club
Join Date: Sep 2011
Posts: 6,388
Check out these 2 threads for list of acronyms:

Acronyms list?

Acronyms, Initials or Abbreviations
US Navy Vet, Liberty Tree Member of Oath Keepers, NRA & VFW Life Member, Alaska EMT.
2009 Safari Cheetah 40 SKQ
2009 Winnebago Chalet 231CR
sdennislee is offline   Reply With Quote
Old 02-20-2013, 08:58 AM   #4
Moderator Emeritus
Gary RVRoamer's Avatar

Fleetwood Owners Club
Freightliner Owners Club
Join Date: Jan 2000
Location: Silver Springs, FL. USA
Posts: 16,446
Your car is covered by its own insurance, even when in tow, so no worries there. The motorhome requires standard motor vehicle liability coverage, just like the car. That covers damages you do to other people and property. The "standard" insurance will vary according to the state where you have the vehicle titled. Each state has its own requirements. Some state require what is called PIP - personal injury protection, which is medical payments for injuries to you or your passengers.

Your agent may recommend Uninsured Motorist (UIM) coverage. This pays medical cost to YOU if you are injured in an accident caused by someone who has no insurance. If you already have other medical insurance, you don't need this.

Beyond that, you probably want coverage to pay for damage to your own motorhome and your personal property inside. Collision insurance pays for damage to your rig in a collision, Comprehensive insurance covers non-collision damage to the RV, e.g. fire, theft, storms, etc. Personal Property coverage pays for goods and accessories that are not physically part of the RV, e.g. your clothing, camera, computer, etc.

You may also be offered insurance for towing in the event of a roadside breakdown. This can also be obtained as part of a Roadside Assistance package from a separate company such as Coach-Net or Good Sam. Those two specialize in RVs and generally provide more help than insurer-provided services.

Hope this helps with the basics.
Gary Brinck
2004 American Tradition; 2014 Buick LaCRosse
Homebase in the Ocala Nat'l Forest near Ocala, FL
Gary RVRoamer is offline   Reply With Quote
Old 02-20-2013, 09:02 AM   #5
Senior Member
John H...'s Avatar
Join Date: Feb 2004
Location: Johnstown, PA USA
Posts: 3,325
Welcome to the forum and good luck with your new RV and fulltiming...
John, Deb; & our dog, Benji, Forever in our hearts.
2014 Coachmen Leprechaun 319DS V-10
2011 Jeep Liberty Jet & 2014 Jeep Wrangler
John H... is offline   Reply With Quote
Old 02-20-2013, 11:39 AM   #6
Senior Member
GaryKD's Avatar
Newmar Owners Club
Join Date: Jul 2006
Location: Wellington, Florida
Posts: 11,772
Hi rescueangel,
Welcome to iRV2. Consider contacting a motor coach insurance broker. They specialize in insurance for motor coaches and full timers. I use Farm & City Insurance at 800-331-1520 or RV Insurance | FCIS Insurance . There are some nuances to insurance when full timing in a motor coach. They can explain your choices and the cost. I've used these folks for years. Their prices are so competitive that I leave my declarations page with agents at the Tampa RV Super Show and none have ever called me to say they had a better deal.
2005 Newmar KSDP 3910 + GMC ENVOY XUV 37K lbs Moving Down The Road
The Avatar Is Many Times Around The USA
Nobody Knows Your Coach Like Somebody Who Owns One Just Like Yours
GaryKD is offline   Reply With Quote
Old 02-21-2013, 07:25 AM   #7
Junior Member
Ford Super Duty Owner
Join Date: Feb 2013
Posts: 13
Originally Posted by sdennislee View Post
Check out these 2 threads for list of acronyms:

Acronyms list?

Acronyms, Initials or Abbreviations
SUPER HELPFUL! Thank you so much!

rescueangel is offline   Reply With Quote

insurance, newbie

Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

» Virginia Campgrounds

Reviews provided by

Our Communities

Our communities encompass many different hobbies and interests, but each one is built on friendly, intelligent membership.

» More about our Communities

Automotive Communities

Our Automotive communities encompass many different makes and models. From U.S. domestics to European Saloons.

» More about our Automotive Communities

Marine Communities

Our Marine websites focus on Cruising and Sailing Vessels, including forums and the largest cruising Wiki project on the web today.

» More about our Marine Communities

Copyright 2002-2015 Social Knowledge, LLC All Rights Reserved.

All times are GMT -6. The time now is 08:11 AM.

Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2016, vBulletin Solutions, Inc.