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Old 04-04-2021, 01:35 PM   #1
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Full Timers Insurance

Picking up new to me Winnebago Vectra next week. Thoughts on RV insurance in Florida. We are full time and have heard mixed reviews on Good Sam.

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Old 04-04-2021, 02:08 PM   #2
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You might want to consider calling Miller Insurance in Lake Oswego Oregon. They are licensed in all 50 states and are experts --and have been for decades-- in RV insurance. They also carry other types of insurance but they've always been known for focusing on RV insurance and the needs of RVers. They will know exactly what a full-timer needs and can tailor the policy for your particular situation. They are agents/brokers so they deal with lots of carriers and have many at their disposal so can shop around for you in getting the best rates and coverage. You are not paying for their service, the carriers are. They've been recommend on this forum since I've been participating and we've used them in the past.

Home - Miller RV Insurance

Again, they are licensed to sell insurance in all 50 states but if you feel more comfortable using another broker/agent closer to you --you want to meet them in person, etc.-- I'm sure there are some in Florida too.
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Old 04-05-2021, 08:27 AM   #3
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Yes, I hear nothing but good about Miller, but my experience is that most good independent brokers know enough about RV insurance to do a good job too. That said, I have never been full time, which has its own extra twists that are important.
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Old 04-05-2021, 01:19 PM   #4
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There are several excellent RV insurance agencies with stellar reputations and Miller is one of them, but if it were me I would want to speak to more than one agent. For that reason, here are a couple more with similar reputations.
AIS RV Insurance
RV Advantage
Explorer Insurance
Foremost Insurance
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Old 04-05-2021, 02:36 PM   #5
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Adding to the list that we also used for several years is Destination Services in Missoula ...again, they're agents and specialize in RVs. However, they only write policies in 30 states so I'm not sure if Florida is included. They have a good knowledge of what a full-timer needs (along with those using a Montana LLC) and have access to several carriers Ask for Lexi, specifically, as she was very patient and attentive to our needs. For me, I'd still recommend an agency who specializes in RVs as when first going full-time, it's good to get sound advice initially as it definitely has its own unique set of circumstances.

And one more that we never used but has a long history of insuring RVs (specifically Winnebagos) is FCIS in Forest City Iowa. They go back decades and decades of working with Winnebago owners and are licensed in all states ...but of course will insure any brand. Again, one of the more stellar agent/brokers in RV insurance in the country.

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What sets FCIS apart?
FCIS was founded in 1978 in Thompson, IA. In the spring of 1982, FCIS opened a branch office in Forest City, IA. In the fall of 1982, a nationwide mass marketing effort was undertaken for the purpose of insuring Winnebago brand products nationwide through the WIT Club. FCIS now maintains endorsements from all major RV manufacturers. In December of 2000 FCIS moved to its current location at 145 South Fourth Street in Forest City, IA.
FCIS - about
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Old 04-05-2021, 03:10 PM   #6
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You might also check with the Tobin agency at 800.759.6321 . I was shopping just a couple of days ago for my new to me rig and they had the best price. What they didn't have was a policy where I could just buy layup (storage) insurance and the buy the full coverage when I go on the road. The policy I bought was from Miller, Since you are going full time you may want to check out some sort of umbrella liability policy assuming you will no longer have a homeowners policy that provides general liability protection. Also most policies provide $3,000 of personal property protection. You will probably want more than that and probably at replacement cost. It's crazy how much replacing all the stuff you have in your rig would cost if you had to buy it new when you are on the road. Good luck,
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Old 04-05-2021, 03:46 PM   #7
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you are going full time you may want to check out some sort of umbrella liability policy assuming you will no longer have a homeowners policy that provides general liability protection.
Umbrella policies kick in only after a limit is reached on underlying insurance. They only increase the limits on existing liability coverage, and don't create any coverage on their own (other than maybe things like false imprisonment, libel, slander, but certainly not typical liability coverage, like somebody tripping on your step, or your dog biting someone).

What a fulltimer needs is a line item on the RV policy for "fulltimer liability" or something along those lines. An umbrella policy will not create that coverage, but if you have "fulltimer liability" included in your RV policy, an umbrella policy will increase the policy limit on that coverage.
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Old 04-10-2021, 01:28 PM   #8
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I've been working with Miller Insurance. Just switched our registrations to Florida and it was a smooth transition
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Old 04-12-2021, 12:13 PM   #9
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How much do they typically cover for a 32’ 5th wheel? How much does it cost?
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Old 04-12-2021, 01:29 PM   #10
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How would a insurance company know how much you use your RV? Full timers insurance is another way for you to waste money, make them richer.
I've had so few accidents I dont even carry comp or collision any more. I've wasted a 75+ grand on insurance in 50 years. Minimum everything.
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Old 04-13-2021, 06:40 PM   #11
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How would a insurance company know how much you use your RV? Full timers insurance is another way for you to waste money, make them richer.
The benefit of having a fulltimer policy is the liability coverage it provides, for people tripping on your steps, or your dog biting someone--that sort of general liability. Most people have this coverage with a homeowner's or renter's insurance policy, but a fulltime RVer wouldn't have either of these, so they get it as part of their fulltimer RV policy.

The "fulltimer liability" portion of my premium is $89/year.
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Old 04-16-2021, 06:34 AM   #12
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My Full timers coverage with Progressive is $77 per year and this is what is covered:

Full Timer's Personal Liability
$100,000 each person
$300,000 each accident
Loss Assessment - $5,000
Medical Payments - $5,000 each person/$50,000 each accident
Storage Shed Contents - $5,000/$100 deductible
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Old 04-16-2021, 09:59 AM   #13
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Originally Posted by DebbieMH View Post
My Full timers coverage with Progressive is $77 per year and this is what is covered:

Full Timer's Personal Liability
$100,000 each person
$300,000 each accident
Loss Assessment - $5,000
Medical Payments - $5,000 each person/$50,000 each accident
Storage Shed Contents - $5,000/$100 deductible
Thanks for this. I am spending more than that. Time to look into another insurance. I was going to look into it because of their commercials I saw about rvs and boats.
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Old 04-16-2021, 11:10 AM   #14
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Thanks for this. I am spending more than that. Time to look into another insurance. I was going to look into it because of their commercials I saw about rvs and boats.
Note that the $77/year is only for the fulltimers liability coverage, which is an additional item on top of all the usual vehicle insurance coverage like liability, collision, comprehensive, uninsured motorist, etc.

My Progressive policy (in Texas) has the same coverage limits as DebbieMH's, and my premium is a little higher--$89/year. I would imagine that most companies' fulltimer liability premium is in this range.

I had a Progressive quote back in 2008, and the fulltimer liability premium was $103. I went with National Interstate, and my fulltimer liability premium was $85/year for six years. In 2014 it was going down to $58 but my comprehensive was going up by $500 (I hadn't filed any claims, but apparently lots of other insureds did, and NI was having to recoup for that).

So I switched to Blue Sky that year, and the fulltimer liability premium was $62. Then Blue Sky quit insuring in Texas, and in 2017 I switched to Progressive, and the premium for fulltimer liability has been $89 from then to the present.

So that's my experience with three different companies when it comes to the premium for fulltimer liability--some variations, but to me, not enough to price-shop over (unlike comprehensive going up by $500--I'll definitely shop and hope I find a company that wasn't hit as hard, or hasn't gotten around to recouping for the losses).
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