Full timing insurance on T@B

System

This discussion was created from comments split from: Crossing Canadian Border.

HunterTAB

My auto insurance company said they would not insure my trailer as long as I am 'living' in it. Since I am planning to be traveling for 6-9 months, I thought that qualifies as living in it. So no insurance. How do other people deal with this? Thanks 

ericnliz

Might be interesting to ask them if they would give you home-owners insurance instead!

Verna

I was told that if I kept some stuff at my brother’s house and used his address as a permanent address, that I could be insured, including the storage garage with most of my belongings. They said they would not accept a UPS box as a permanent address. 

atlasb

Is your auto insurance policy for RV's or are they adding your RV  to the auto policy.  Might look at a dedicated RV policy.  There are some differences between the two.  We use Progressive RV policy. 

broderius

Try foremost insurance.  See what they can do.   Best of luck.

Sharon_is_SAM

Check Progressive for an independent RV policy.

Gidget

I have Foremost and they do offer full timer insurance.

N7SHG_Ham

I think the difference is a full timer has a lot more days a year out of storage and that broadens the insurance companies exposure. I have a enclosed utility trailer and that has it's own insurance and card I carry in the TV. Better to pay for a policy that you never use than find out after the fact you don't have coverage.

TDR920

Go to an Independent Agent (that's actually what they're called when they're not affiliated with a company).  They handle several companies and deal with ALL insurance related issues.  Don't drive yourself crazy trying to research this yourself.  (Disclosure: I just retired from an Insurance company but was in the IT department)

Sharon_is_SAM

Just read this (quote below) in the RV Travel newsletter and thought I would revive this thread.  If you are full timing are you aware of this?

“Some insurance and extended warranty policies will not cover full-time living. That will likely change, but for now any new full-timers should read their policies carefully. Thousands of current full-timers who believe they are insured are not. In an accident they could lose their life savings.”