Labauer Posted May 31, 2017 Report Share Posted May 31, 2017 We will be picking up our new 5th wheel in a couple days of weeks. I've been getting quotes for full-time rv insurance and am overwhelmed with the choices of companies. I'd be interested in your input as to who you use and the must have options. Link to comment Share on other sites More sharing options...
SWharton Posted May 31, 2017 Report Share Posted May 31, 2017 We have always used a broker and let them sort through the muddle. FCIS 800-331-1520 Link to comment Share on other sites More sharing options...
cpaulsen Posted May 31, 2017 Report Share Posted May 31, 2017 We use Progressive. Link to comment Share on other sites More sharing options...
Av8r3400 Posted May 31, 2017 Report Share Posted May 31, 2017 Auto Owners was seemless. They wanted a couple of photos of the truck (unconverted) and all is well. Av8r34002012 Volvo VNL 730 D13 iShift & 2021 Grand Design Momentum 397TH I'd rather die trying to live - Than live trying not to die. -Leonard Perry Link to comment Share on other sites More sharing options...
ms60ocb Posted May 31, 2017 Report Share Posted May 31, 2017 11 hours ago, Labauer said: I'd be interested in your input as to who you use and the must have options. This is not to scare anyone but to open eyes to some options. Like anything, Preparation is a key to less hearth ache. Clay Clay & Marcie Too old to play in the snow Diesel pusher and previously 2 FW and small Class C Link to comment Share on other sites More sharing options...
LindaH Posted May 31, 2017 Report Share Posted May 31, 2017 11 hours ago, Labauer said: We will be picking up our new 5th wheel in a couple days of weeks. I've been getting quotes for full-time rv insurance and am overwhelmed with the choices of companies. I'd be interested in your input as to who you use and the must have options. Since you are getting a new fifth wheel, one thing you will want is Total Loss Replacement coverage. This coverage will replace your fifth wheel during the first five model years in the case of a total loss. After the five years, it will pay you what you paid for the RV. One caution, though...ask any insurance coverage how long their Total Loss Replacement coverage is for. When we were looking for insurance for the RV in my signature, I called one insurance company and, in talking with them, I discovered that instead of five years, their Total Loss Replacement coverage was only for 18 months! Obviously, we didn't go with them. LindaH 2014 Winnebago Aspect 27K 2011 Kia Soul Link to comment Share on other sites More sharing options...
Second Chance Posted May 31, 2017 Report Share Posted May 31, 2017 Not all companies work the same. We are with USAA (retired Army). USAA will shunt you to Progressive for motorhomes but will cover fifth wheels. The rig itself is on our auto policy for liability, collision and comprehensive. We have a renter's policy (about $15 a month!) that covers all of the contents and personal items as well as the things we left in storage back in South Carolina. All-in-all, extremely affordable. USAA knows we are full-timing and recommended setting things up this way. Rob 2012 F350 CC LB DRW 6.7 2020 Solitude 310GK-R, MORryde IS, disc brakes, solar, DP windows Full-time since 8/2015 Link to comment Share on other sites More sharing options...
LindaH Posted May 31, 2017 Report Share Posted May 31, 2017 1 hour ago, Second Chance said: The rig itself is on our auto policy for liability, collision and comprehensive. Does the liability cover the RV when it's parked (i.e., not attached to the truck)? If someone breaks a leg falling down the RV's stairs, will you be covered? RV's on auto policies are typically only covered when being towed, not when parked. LindaH 2014 Winnebago Aspect 27K 2011 Kia Soul Link to comment Share on other sites More sharing options...
Second Chance Posted May 31, 2017 Report Share Posted May 31, 2017 2 hours ago, LindaH said: Does the liability cover the RV when it's parked (i.e., not attached to the truck)? If someone breaks a leg falling down the RV's stairs, will you be covered? RV's on auto policies are typically only covered when being towed, not when parked. The comprehensive covers the rig for any damage while it's parked. The renter's policy covers us for liability for guests, etc. USAA stepped me through that whole conversation while setting up the policy. Rob 2012 F350 CC LB DRW 6.7 2020 Solitude 310GK-R, MORryde IS, disc brakes, solar, DP windows Full-time since 8/2015 Link to comment Share on other sites More sharing options...
NC Hauler Posted June 2, 2017 Report Share Posted June 2, 2017 We have Geico and have the 5 yr full replacement. Covered as full timers in ours. a lot like our home insurance was . 2016 DRV MS36RSSB32016 Ram 3500 DRW/CC/LB/4X4/Aisin/4.10 Longhorn, rear air assist suspensionB&W OEM RVK3600 Companion hitch Link to comment Share on other sites More sharing options...
SWharton Posted June 2, 2017 Report Share Posted June 2, 2017 I was told the full timers insurance is the equivalent of home owners...................I believe you are a full timer if you RV more than 6 months a year. Link to comment Share on other sites More sharing options...
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