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Old 07-29-2021, 03:06 PM   #1
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Fulltime insurance

We sold our home a couple weeks ago and are fulltiming in a 2021 minnie winnie 26t motorhome, Our current policy is about $900/yr and when I called progressive to get a quote to upgrade to fulltime poliythey said it would be $99 more per year adding motorhome liability. Does that seem right?
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Old 07-29-2021, 03:12 PM   #2
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Your lucky. Our fulltime policy with Foremost Ins doubled.





Quote:
Originally Posted by newbie 2021 View Post
We sold our home a couple weeks ago and are fulltiming in a 2021 minnie winnie 26t motorhome, Our current policy is about $900/yr and when I called progressive to get a quote to upgrade to fulltime poliythey said it would be $99 more per year adding motorhome liability. Does that seem right?
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Old 07-30-2021, 04:21 AM   #3
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It will increase.

This is only the first year.
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Old 07-30-2021, 08:22 PM   #4
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Ours jumped a couple of hundred dollars when we went full time.
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Old 07-30-2021, 08:37 PM   #5
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Check What they Mean/Include in the FTrs Policy

FTrs Policy should be Auto Policy PLUS coverage like House Poilcy
Bodily injury liability, Property damage liability, Medical payments or Personal Injury Protection (PIP), Collision, Comprehensive, Uninsured/Underinsured motorists coverage

PLUS Personal Property, Slip/Fall Liability

And you should have 'Agreed Value' coverage to replace your 'HOME'


Check out info in Link and get several quotes (same/Same) to compare policy
https://www.consumersadvocate.org/rv...aved/full-time
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Old 07-31-2021, 07:47 AM   #6
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Quote:
Originally Posted by newbie 2021 View Post
We sold our home a couple weeks ago and are fulltiming in a 2021 minnie winnie 26t motorhome, Our current policy is about $900/yr and when I called progressive to get a quote to upgrade to fulltime poliythey said it would be $99 more per year adding motorhome liability. Does that seem right?
It will go up, and that $99/year increase is very cheap. Our full time insurance on the Road Warrior is almost $3500/year. But we added additional roof replacement ($10,000) and added on items, MorRyde IS System, RF Mogul Satellite system, disc brakes upgrade. All adds up to a higher cost, but to us worth the coverage.
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Old 07-31-2021, 05:50 PM   #7
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$99 is cheap. We had Miller RV Insurance a broker shop for us. Full replacement value with a high $2500 deductible was between $2700 and $2800
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Old 08-08-2021, 03:38 PM   #8
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Just how will they know your full timers? Waste of money telling them.
I keep a large slush fund, carry only liability. Saves me thousands a year, no accidents in 30 years.
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Old 08-08-2021, 09:47 PM   #9
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Fulltime insurance

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Originally Posted by Fiesta48 View Post
Just how will they know your full timers? Waste of money telling them………….
Maybe they’ll just check your forum signature.
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Old 08-09-2021, 04:58 AM   #10
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The major differences as I recall to FT insurance are 2 fold:
1) Personal liability - this is usually on the homeowners policy and not the RV/auto policy. Depending on how much personal liability and your risk factors, this is a significant amount.
2) How much you are using it - the typical RV is used a few times a year, the risk to insurance carrier is high when you are out and about. (Some risk when parked for theft, location does matter). FT you are in it all the time. If you want to not tell the carrier you are FT as one post suggested, be sure you have read all the fine print in your policy. Insurance companies stereotypically will always take your policy $ but when you have a claim will then check to be sure you are within policy fine print.

$99 a year to make the policy FT does not sound right to me, seems too good to be true. Unless the amount of personal liability coverage was their base or lowest amount.
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Old 08-09-2021, 08:05 AM   #11
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This is what my current coverage is
Keep in mind that it is only a class C that was 100K new
any thought or suggestions
Progressive said that the $99 was just an added liability policy


Coverages
Policy Coverages
Policy Coverages
Amount
Uninsured/Underinsured Motorist Bodily Injury $100,000 each person$300,000 each accident
$13.00
Full Timer's Personal Liability No Coverage
$0.00
Trailer $0 - $2,500
Included
Vehicle Coverages
Physical damage option
Vehicle Coverages
Amount
2021 WINNEBAGO MINNIE WINNIE
Total Loss Replacement/Purchase Price


Disappearing Deductibles
Vehicle Coverages
Amount
2021 WINNEBAGO MINNIE WINNIE
Selected


Bodily Injury & Property Damage Liability
Vehicle Coverages
Amount
2021 WINNEBAGO MINNIE WINNIE
$100,000 each person
$300,000 each accident
$50,000 each accident

$101.00
Medical Payments
Vehicle Coverages
Amount
2021 WINNEBAGO MINNIE WINNIE
No Coverage

$0.00
Comprehensive
Vehicle Coverages
Amount
2021 WINNEBAGO MINNIE WINNIE
$375 deductible

$262.00
Collision
Vehicle Coverages
Amount
2021 WINNEBAGO MINNIE WINNIE
$375 deductible

$362.00
Included with Comprehensive and (if purchased) Collision
Vehicle Coverages
Amount
2021 WINNEBAGO MINNIE WINNIE
Disappearing Deductibles
Mexico Coverage
Fire Department Service - $1,000

Included
Uninsured Motorist Property Damage
Vehicle Coverages
Amount
2021 WINNEBAGO MINNIE WINNIE
No Coverage

$0.00
Emergency Expense
Vehicle Coverages
Amount
2021 WINNEBAGO MINNIE WINNIE
$2,000

$12.00
Vacation Liability
Vehicle Coverages
Amount
2021 WINNEBAGO MINNIE WINNIE
$10,000

Included
Replacement Cost Personal Effects
Vehicle Coverages
Amount
2021 WINNEBAGO MINNIE WINNIE
$3,000
$100 deductible

$10.00
Roadside Assistance
Vehicle Coverages
Amount
2021 WINNEBAGO MINNIE WINNIE
Selected

$21.00
Pest Damage Protection℠
Vehicle Coverages
Amount
2021 WINNEBAGO MINNIE WINNIE
$10,000
$250 deductible

$18.00
Roof Protection Plus®
Vehicle Coverages
Amount
2021 WINNEBAGO MINNIE WINNIE
$10,000
$250 deductible

$59.00
2021 WINNEBAGO MINNIE WINNIE premium: $845.00
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Old 08-09-2021, 08:42 AM   #12
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Full time on the road vs full time in a park.
Full time in new vs full time in old.
There are many more variables and 1 size does not fit all.
Don't get caught by a lie when claim time comes around. You will be blacklisted.
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Old 08-09-2021, 09:55 AM   #13
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If I read this correctly, this policy does not include “comprehensive” nor does it include emergency expense.

Lack of comprehensive seems strange.
What is comprehensive?

https://www.forbes.com/advisor/car-i...uto-insurance/

Lack of emergency expense can also quickly add up. If you are in an accident and you lose the use of your RV for a couple months, what will you do and how will you pay for that temp/emergency housing?

Just thoughts and questions that go through my mind.
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Old 08-17-2021, 02:56 PM   #14
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Thanks for starting the thread. I was just getting quotes for the very same thing. First, to reinforce an earlier reply, the primary value to adding FT rating on the insurance is to get personal liability coverage as well as agreed value on your RV. You may also be able to solve the personal liability coverage need with an umbrella policy, but most of those require that a base liability policy be in place to supplement.

I'm quoting a 2019 Dutch Star and getting quotes back around $3k/year +- $200 depending on how I configure deductibles, coverage limits, etc. Keep in mind that this is also auto insurance, so the address listed is one of the largest contributing factors in the rate.

Also, from what I've read, most of the insurance companies don't consider you a full-timer if you own any other home, even if you don't declare that as a primary residence. I could be wrong on that without reading the full policy language, but that's the impression they give on the short descriptions on their websites.

Happy quoting.
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