Free 7 Day Trial RV GPS App RV Trip Planner Campground Reviews RV Maintenance Free 7 Day Trial ×
RV Trip Planning Discussions

Go Back   iRV2 Forums > RV LIFE STYLES FORUMS > Full-Timers
Click Here to Login
Join iRV2 Today

Mission Statement: Supporting thoughtful exchange of knowledge, values and experience among RV enthusiasts.
Reply
 
Thread Tools Search this Thread Display Modes
 
Old 05-17-2021, 09:37 AM   #1
Senior Member
 
Join Date: Jan 2012
Location: Taft, TN 38488
Posts: 574
Fulltime RVing Insurance

We just purchased FullTime Rv Insurance through FMCA and it cost $5000 a year, we did have 2 vehicles, but I thought that was high.
Tom222 is offline   Reply With Quote
Join the #1 RV Forum Today - It's Totally Free!

iRV2.com RV Community - Are you about to start a new improvement on your RV or need some help with some maintenance? Do you need advice on what products to buy? Or maybe you can give others some advice? No matter where you fit in you'll find that iRV2 is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with other RV owners, see fewer ads, upload photographs, create an RV blog, send private messages and so much, much more!

Old 05-17-2021, 09:53 AM   #2
Senior Member
 
Join Date: Nov 2015
Posts: 17,124
Depends on:
Vehicles
Coverages
Total Loss Replacement Value
Deductibles
Your Ages
Credit Reports
Domicile
Etc

Insurance is hard to compare cause of all the variables involved


Did you get 'quotes' or just go to FMCA?

Check with couple Ins Brokers ----same policy/coverage as current one to compare
https://rvins.com/best-rv-insurance-for-full-timers.htm

https://www.explorerrv.com/rv-insura...insurance.html
__________________
Is it time for YOUR Medication or Mine?
Dodge 3500 w/Tractor Motor & NUWA 5vr
US NAVY---USS Decatur DDG-31
Old-Biscuit is offline   Reply With Quote
Old 05-17-2021, 02:30 PM   #3
Senior Member
 
momdoc's Avatar
 
Tiffin Owners Club
Join Date: Jul 2016
Location: Where we park it!
Posts: 11,482
Ours is 3100 a year with full replacement value on the coach through National General. This for both the coach and toad.
__________________
momdoc
2018 Tiffin Allegro RED 37PA
2020 JEEP Trailhawk
momdoc is offline   Reply With Quote
Old 05-17-2021, 03:30 PM   #4
Senior Member
 
Join Date: Feb 2015
Posts: 1,890
I went with Geico. $2,400 yr with a $1,000 deductible on Class A and $500 on Jeep. 250/500 limits, $20K personal contents and $300,000 full timers liability coverage. Also got a policy on brand new Harley $350 yr and $1,000,000 umbrella for$400
TXTiger is offline   Reply With Quote
Old 05-18-2021, 06:00 AM   #5
Member
 
Join Date: Oct 2015
Posts: 59
Watch that "full replacement". It can mean they decide what an equivalent value and RV is. The one they pick off a lot is now your "replacement". Have also seen threads with people talking about companies saying it is FTs coverage but doesn't have the extra liability coverage. This is really something that requires the buyer to really dig in the fine print and ask and ask to get thru the double speak to find what they actually have.
__________________
Diana
FT with a dog. Phoenix Cruiser 3100 & a Chevy Sonic
cats_aplenty is offline   Reply With Quote
Old 05-20-2021, 08:44 AM   #6
Member
 
BJLove's Avatar
 
Monaco Owners Club
Holiday Rambler Owners Club
Join Date: Jul 2011
Location: Fulltime America
Posts: 36
F/T Insurance

GEICO does not do full-timers insurance on MH's. We found a very good deal with an Independent agent that got us coverage on our DP, Pickup toad as well as our Cricket golf cart through Auto Owners! Bears looking into and remember, "your mileage may vary" depending on history, equipment, etc..
__________________
Bob & Carol Love
2013 HR Ambassador
Fulltime America
BJLove is offline   Reply With Quote
Old 05-20-2021, 12:46 PM   #7
Moderator Emeritus
 
Gary RVRoamer's Avatar


 
Join Date: Jan 2000
Location: Silver Springs, FL. USA
Posts: 24,365
One thing to be aware of is that there is no standard definition of "fulltimer insurance", so definitely takes cats aplenty's advice. If you do not have some other policy that includes personal liability coverage, e.g. homeowner or renter insurance, you probably want to make sure your RV coverage has that. Standard vehicle liability insurance covers only damages caused by your operation of the vehicle.
__________________
Gary Brinck
Former owner of 2004 American Tradition and several other RVs
Home is in the Ocala Nat'l Forest near Ocala, FL
Gary RVRoamer is offline   Reply With Quote
Old 05-20-2021, 04:33 PM   #8
Senior Member
 
pduggs's Avatar
 
Monaco Owners Club
Join Date: Mar 2014
Location: Somewhere Nice
Posts: 1,184
Quote:
Originally Posted by Tom222 View Post
We just purchased FullTime Rv Insurance through FMCA and it cost $5000 a year, we did have 2 vehicles, but I thought that was high.
That is high for a 2014 Phaeton registered in Alabama. You need to shop around. If you use the search feature on this forum you’ll find insurance companies to contact.

You are paying nearly $1000 more than me and I’m insured in Florida, a high insurance cost state. I’m using Progressive. Just switched from National General.
__________________
2008 Monaco Dynasty Squire
Paul & Luci
Full timers
pduggs is offline   Reply With Quote
Old 05-31-2021, 10:58 AM   #9
Senior Member
 
consolenut's Avatar
 
Join Date: Nov 2014
Posts: 1,341
progressive for my 5ver is 1800 a year for full time insurance. I'd definitely shop around
__________________
08 GMC C-4500 w/Custom bed. 8.1L
45ft 2007 Teton Reliance Experience XT-4
TSLB Trailer Saver w/ 3rd airbag
consolenut is offline   Reply With Quote
Old 05-31-2021, 11:04 AM   #10
Senior Member
 
Join Date: Sep 2015
Posts: 729
What or when is it determined you are full time?
From above if I own other property then im part time ?
Percentage of usage? Does it need to be at your storage, / home property a certain percentage of time? Or does sitting at a campground 90% of the time count?
ransil is offline   Reply With Quote
Old 05-31-2021, 04:09 PM   #11
Senior Member
 
Billett Bee's Avatar
 
Join Date: Jan 2021
Posts: 777
We have ful timers for 5 yrs now. 2016 fifth wheel , 2020 ram 3500, $1600 A yr with nation wide. I'll take it. Now we're having a 2022 luxe fifth wheel being built wich will drastically raise our total yearly amount to around $2600.
__________________
20 ram 3500 ho hd drw Laramie Cummins/aisin w/410 & auto level air suspension with max tow . BILLET silver sport ext. w/ black int. with 12" monitor with all safety features, camera , & luxuries. Full timers & building a Luxe 48fb w/ side patio.
Billett Bee is offline   Reply With Quote
Old 06-05-2021, 01:03 PM   #12
jrs
Senior Member
 
jrs's Avatar
 
Join Date: Jun 2009
Location: Full Timers
Posts: 582
We had Miller Insurance in Lake Oswego, OR a broker who specializes in full timers needs switch ours to Florida recently. $2580.00/12 month cost which also includes full replacement value. They'll find the best deal for you.
__________________
Joe & Ro
2020 Dutch Star 4328 w FL Chassis
2018 Jeep GC Limited w Ready Brute Elite towbar
jrs is offline   Reply With Quote
Old 06-05-2021, 02:33 PM   #13
Senior Member
 
Join Date: Aug 2011
Location: Enjoying the Western States!
Posts: 14,353
Quote:
Originally Posted by jrs View Post
We had Miller Insurance in Lake Oswego, OR a broker who specializes in full timers needs switch ours to Florida recently. $2580.00/12 month cost which also includes full replacement value. They'll find the best deal for you.
I agree. We always used them and had them re-check for best price every 2 years. There's no sense being loyal to an insurance company.
__________________
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
twogypsies is offline   Reply With Quote
Old 06-12-2021, 06:38 PM   #14
jrs
Senior Member
 
jrs's Avatar
 
Join Date: Jun 2009
Location: Full Timers
Posts: 582
[QUOTE=jrs;5779498]We had Miller Insurance in Lake Oswego, OR a broker who specializes in full timers needs switch ours to Florida recently. $2580.00/12 month cost which also includes full replacement value. They'll find the best deal for you.[/QUOTEuct
Should also point out that's with a high $2500 deductible. We the type that don't get warranty programs and always get higher deductibles. Works for us.
__________________
Joe & Ro
2020 Dutch Star 4328 w FL Chassis
2018 Jeep GC Limited w Ready Brute Elite towbar
jrs is offline   Reply With Quote
Reply

Tags
fulltime, insurance, rving



Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
2 Fulltime IT workers boondocking fulltime on solar. Natebert Boondocking 40 09-07-2019 09:21 AM
Fulltime or Not Fulltime? That is the question. Kalen Vavla iRV2.com General Discussion 45 05-12-2016 05:08 PM
Fulltime RVing Family 4 kids 3 dogs now on TLC Vernon Loud New Member Check-In 4 10-17-2008 06:40 AM
Fulltime RVing Family 4 kids 3 dogs now on TLC Vernon Loud Full-Timers 3 10-17-2008 03:09 AM


All times are GMT -6. The time now is 02:43 AM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2021, vBulletin Solutions, Inc.