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Cola ny · 03-29-2014, 11:44 PM

Hello everyone I asked this question on this forum on a different page I received four responses two of them it seem like they were talking in riddles the third response was telling jokes about it and the fourth was asking if I was looking to do something illegal. Now I am new at this with that said I am about to go full timing Boon-docking I called my insurance company which is progressive and got a quote for full-time and part-time insurance full timing was about $500/$600 more a year that's a big difference I never owned a home never had homeowners insurance I am still working and I will be staying close to my area my question is what are the advantages of having full timing insurance and is it worth it and if I didn't how would the insurance company know That I was full timing ? Thank you

gruelens · 03-30-2014, 12:45 AM

I am a fulltimer and I pay for fulltimer's insurance. If something major happens they can do an investigation. If that reveals you gave false info, your policy is void. I would recommend searching this forum and others for other insurance companies to get quotes from. I have found there is a large price variation for fulltime policies.

Note........ I recently got a quote from Progressive that was sky high IMO.

bigmichael · 03-30-2014, 07:04 AM

We have FTed for 7 years, and have always had FT insurance. Personally, I wouldn't be confident enough to not have it, mainly for the downside of something happening and it becoming an issue which caused a "no pay" by the insurance company.

The two primary differences I am aware of are these. 1. Most (if not all) of the non-FTers policies have a specific clause exempting coverage if the unit is used as a primary residence. A FTers policy specifically amends that clause. 2. The kind of liability that is normally covered by a homeowners policy (which you don't have if FTing) is picked up under FTers RV coverage. Thus if someone is hurt while in or around your RV and sues, your RV coverage will kick in.
There are other more subtle issues that may or may not concern you. One that we have actually experienced was someone breaking into the rig while we were out at dinner in San Francisco. They cleaned out all of my DW's jewelry, along with our electronics. We didn't have to explain to the insurance company why my wife had ALL of her jewelry with us out "camping", they understood we were FT'ers.

I've seen the discussion about "how would they know-why would you tell them". I guess you could take your chances. I don't think they would ever bother to check, care, or know in many cases, if you didn't volunteer it when you take out the policy. But, and this is big to me, the normal time they investigate is once a claim is made.

Again, using ourselves as an example, we would have absolutely no ability to show any other primary residence. Every single piece of business we have shows our domicile as our mailing address in SD. License, registration, Fed tax filing, health insurance, banking, etc. And it takes almost no checking to see that our address is just that, a mailing service. And that is true for all mailing services used by FTers.

I hope this helps. What you decide to do is your choice, but I tried to give you most of the reasons FTers carry FT insurance. I'm sorry you didn't get a serious response before when you asked. I expect that's probably because the people who responded aren't FTers and really didn't have a clue.

Good luck

Jim2 · 03-30-2014, 08:31 AM

I don't think you get to pick or choose. All the insur carriers I deal with say if you live in your RV more than 5 months of the year, you must have fulltimers coverage. How will they know? well in a claim situation they can require you to prove where you have been living, with receipts for rent, utils, etc. Not a good practice to lie to your insur company.

JFNM · 03-30-2014, 09:07 AM

Quote:

Originally Posted by Jim2

Not a good practice to lie to your insur company.

... and possibly not a good practice at all.

Triker56 · 03-30-2014, 10:13 AM

Hummm! On my Full time GS(National General) policy under the Full time part charge.
Is $38

smack2020 · 03-30-2014, 11:26 AM

We got Fulltime insurance, better safe than sorry. I would hate for someone to get hurt in or around my Motorhome, but if it did happen, I would be covered and not sued for everything I have. If we have a loss of personal property, theft or fire, we are covered. If the RV gets destroyed, we are covered.