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04-01-2019, 10:05 PM
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#1
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Senior Member
Join Date: Jul 2016
Posts: 2,009
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Full-Timers Insurance...
Well, my wife and I are closing in on our first full year of Full Timing. We are at the point of needing to change our Truck and Fiver Insurance to a new company plus personal items of course. We DO NOT have a home to insure as we sold it last year. I'm looking for a good company that will insure true Full-Timers.
Any good suggestions would be app!!! Thank you... 
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Mike, Betty & Sophie (Guard Cat)
Full Timers from the Great Lakes State of Michigan
2013 Silverado 3500HD Duramax Diesel & 2013 Cedar Creek Silverback
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04-01-2019, 10:26 PM
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#2
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Senior Member
Join Date: Mar 2019
Location: Orlando, FL
Posts: 120
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Both my truck and Fulltimer coverage for my camper are through Progressive. I used a broker to price shop: Miller Insurance Agency
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2022 Jayco Precept 36C on order
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04-01-2019, 10:31 PM
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#3
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Senior Member
Outdoors RV Owners Club
Join Date: Dec 2014
Location: Nowhere, now here. Freedom!
Posts: 4,602
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Since I don't live in the trailer 24/7/365, I told Progressive I'm not a full timer. I think that makes a difference.
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ORV 19B Full Timer from '15 to '20, '14 Ram 2500 Diesel and a GSD. Vancouver, WA
de K7NOL 146.52Mhz Safety? (CLICK ME!)
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04-01-2019, 10:42 PM
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#4
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Senior Member
Join Date: Aug 2013
Posts: 1,465
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Quote:
Originally Posted by 1bigmess
Since I don't live in the trailer 24/7/365, I told Progressive I'm not a full timer. I think that makes a difference.
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Well if the 5er is your primary residence you are a full timer and many insurance company will not insure as such.
We were directed to Foremost insurance by Met Life, who we were insured through.
Insuring full time is like insuring a home, there is insurance on the trailer as a structure. Then there is contents and Liability coverage just like a home.
When you are not full time, your contents and liability are covered by a home owners policy.
Misleading the insurance company could be reason to deny a claim.
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Russ & Paula, Portland, OR. The Beagle Belle.
2016 Ram Laramie 3500 DRW Aisin 4X4 14,000# GVWR.
2005 Keystone Copper Canyon 293FWSLS Rear Kitchen 12,360 GVWR
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04-02-2019, 05:44 AM
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#5
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Senior Member
Join Date: Mar 2017
Posts: 541
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I used Geico when I was full time. The only downside is they don’t offer roadside assistance on my dually in MD.
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04-02-2019, 07:08 AM
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#6
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Senior Member
Outdoors RV Owners Club
Join Date: Dec 2014
Location: Nowhere, now here. Freedom!
Posts: 4,602
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Quote:
Originally Posted by Rhagfo
Misleading the insurance company could be reason to deny a claim.
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When I first got the policy, I asked what they meant when they asked me if I was using the trailer full time. My use didn't meet their definition. I didn't mislead anyone, and I hope I wasn't mislead.
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ORV 19B Full Timer from '15 to '20, '14 Ram 2500 Diesel and a GSD. Vancouver, WA
de K7NOL 146.52Mhz Safety? (CLICK ME!)
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04-02-2019, 07:51 AM
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#7
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Senior Member
Newmar Owners Club
Join Date: Aug 2012
Location: Fulltime Box Elder, SD
Posts: 270
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Our domicile is SD. We have National General thru Dougherty agency.
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Bill, Laura, Greta & Edwin
2020 DSDP 4328
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04-02-2019, 08:42 AM
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#8
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Senior Member
Join Date: Jul 2016
Posts: 2,009
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My question is directed to "true Full-Timers only"! Not looking to mislead anyone as when you "need your insurance....you NEED it"!!! Hence the reason I posted my question under "full-timers". Thank you...
__________________
Mike, Betty & Sophie (Guard Cat)
Full Timers from the Great Lakes State of Michigan
2013 Silverado 3500HD Duramax Diesel & 2013 Cedar Creek Silverback
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04-02-2019, 09:05 AM
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#9
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Senior Member
Outdoors RV Owners Club
Join Date: Dec 2014
Location: Nowhere, now here. Freedom!
Posts: 4,602
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Oh, I guess I'm not a "true full timer". I apologize.
__________________
ORV 19B Full Timer from '15 to '20, '14 Ram 2500 Diesel and a GSD. Vancouver, WA
de K7NOL 146.52Mhz Safety? (CLICK ME!)
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04-02-2019, 09:18 AM
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#10
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Senior Member
Country Coach Owners Club Solo Rvers Club iRV2 No Limits Club
Join Date: May 2011
Location: Vancouver, WA
Posts: 37,725
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My insurance (The Hartford) goes by the number of nights you used the rig each year.
__________________
2009 45' Magna 630 w/Cummins ISX 650 HP/1950 Lbs Ft, HWH Active Air
Charter Good Sam Lifetime Member, FMCA,
RV'ing since 1957, NRA Benefactor Life, towing '21 Jeep JLU Rubicon Ecodiesel
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04-02-2019, 10:46 AM
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#11
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Senior Member
Newmar Owners Club
Join Date: Aug 2012
Location: Fulltime Box Elder, SD
Posts: 270
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Quote:
Originally Posted by Wundertaker
My question is directed to "true Full-Timers only"! Not looking to mislead anyone as when you "need your insurance....you NEED it"!!! Hence the reason I posted my question under "full-timers". Thank you...
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We are fulltimers with no S&B. National General coverage includes homeowners, gen liability, rv, and tow. We chose to use an agent (Dougherty Insurance Agency) but Good Sam also offers National General.
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Bill, Laura, Greta & Edwin
2020 DSDP 4328
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04-02-2019, 05:57 PM
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#12
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Senior Member
Join Date: May 2009
Location: Mariposa, CA
Posts: 3,933
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As others mentioned, we went through Miller who is an insurance broker and deals with several brokers.
For the past two years, we have Progressive policies on our motorhome and car.
Also, you'll need "umbrella" liability insurance. We have a $1M RLI policy we got through Miller.
Suggest you get quotes from Miller and also FMCA RV Insurance.
I got quotes from both last year and it cut my insurance bill in half.
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2003 - 2010: 2004 35' National RV Sea Breeze LX 8341
2010 - 2021: 2001 41' Newmar Mountain Aire 4095
2021 - ???? : 2001 31' National RV Sea View 8311
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04-02-2019, 08:34 PM
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#13
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Senior Member
Join Date: Jul 2016
Posts: 2,009
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Thinking of getting quotes from...National General...Progressive...and FMCA!!!
WHAT DO YOU THINK OF THOSE THREE???
__________________
Mike, Betty & Sophie (Guard Cat)
Full Timers from the Great Lakes State of Michigan
2013 Silverado 3500HD Duramax Diesel & 2013 Cedar Creek Silverback
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04-02-2019, 11:34 PM
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#14
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Senior Member
Join Date: Aug 2011
Location: Enjoying the Western States!
Posts: 19,794
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Go through Miller Insurance (link given above by learntorv). They'll shop around to get you the best and they are very familiar with full-timers.
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Full-timed for 16 Years . . .
Traveled 8 yr in a 2004 Newmar Dutch Star 40' Diesel
& 8 yr in a 33' Travel Supreme 5th wheel
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