Community Forums

NealC · 03-20-2018, 12:33 PM

One seminar at FMCA/Perry regarding RV insurance opened my eyes about something. If you are in your RV over 150 days in a year (assuming calendar?) then you ARE A FULL TIMER and may require different insurance. Take for example you do 2 months on and 2 months off. You're a full timer! The scenario was you have an incident, the adjuster comes to visit you and asks you this question and you have the wrong insurance - DENIED!

dexters · 03-20-2018, 12:40 PM

Not according to progressive ...
https://www.progressive.com/rv/rv-in...s-full-timers/

More here:
https://www.thebalance.com/do-i-need...surance-527485

saddlesore · 03-20-2018, 12:42 PM

Just depends on the insurance carrier me thinks...

Lovin2Camp · 03-20-2018, 05:24 PM

I have Progressive, no worries with that type issue,
I would drop my Insurance provider like a hot potato if they would try to dictate my camping style!!!!
As if? [emoji41]

Gary RVRoamer · 03-21-2018, 06:42 AM

Some, perhaps many, carriers charge an additional premium if the RV is used more than 150 nights/year (or some other number they determined). They may call that "full time use", or something else.

I don't see any reason to get up in arms over it - it's merely one factor for establishing the premium rate. The vast majority of RVs are not on the road all that much, justifying a lower cost premium, but not everyone fits in the low-use category.

NealC · 03-21-2018, 07:45 AM

The problem is if you're not covered properly by your insurance provider they could deny you a claim. The scenario in the FMCA/Perry seminar with the FMCA insurance company speaker was an adjuster meets you to assess your claim and asks if you RV over 150 days a year. If you say YES and you're not covered for that, i.e. a full timer per this guy, you could be denied.

Anyone else attend the FMCA/Perry seminar on RV insurance want to chime in?