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Found 24 results

  1. Hi All, It's been a while since i visited last but think i've finally found one i like! (class It's has Alaska plates but is currently in Utah. It's priced around $20,000 Can anyone tell me roughly how much it would be to register & insure in California? It's a 2001, will it still need a smog test & does anyone know if Alaska registered are already smog compliant? Thanks
  2. My wife and I will begin full time RVing in July of 2019 and we could use some advice on insurance and roadside assistance. 1. Which insurance companies offer the best coverage and pricing for full time RVers, including coverage of all the contents? 2. Comparing "apples to apples," which companies offer the best roadside service and pricing for full time RVers?
  3. Hi, We are a couple from Australia in our 60's planning a 5 month trip around USA in May next year arriving in Los Angelos and leaving on 28th September from San Francisco. We are looking for advice on the best way to buy a small camper that we can sell at the end. I am looking for advice on insuring and licencing the vehicle. We are thinking of going to Los Vagas, Grand Cannon, Arizona Texas New Orleans, Florida, Washington, New York Main and then heading bck west to San Francisco. Any help would be greatly appreciated. Thanks Jan and Al
  4. Hello, I'm finding that many insurance carriers will not cover a motorhome if no other vehicles are owned. Has anyone encountered this problem? Any suggestions? I have a Class B registered in FL, and am about to begin an extended cross-country trip. Thank you. Jerry
  5. Jemstone

    Insurance

    We have been notified by National General Insurance that we will have to pay $2,000 for next years HDT policy. This includes our trailer, which National General says must be included with the truck. Is this in line with what y’all are finding? Thanks, John
  6. Rick03hd

    Full Timer Insurance

    My wife and I are full timers in our 2018 Momentum 397TH. I got an insurance quote from Progressive that was $1900.00. That sounds high to me. What are other FT paying. We are domiciled in Tennessee.
  7. Anyone have any information for an Australian buying, registering and insuring an RV in the U.S.? I want to travel in the U.S. full time for at least a year, with the Visa permits I can get... who knows hopefully longer. I have tried Googling, emailing well known You tubers, without any suggestions or no replies, watching vlogs and reading heaps of blogs etc but not a lot out there for non U.S. citizens. Any information would be appreciated. I've read and have viewed there are 4 states I would need to get a domicile, South Dakota, Texas, Nevada and Florida, its pretty confusing and have read some conflicting reports about that. Is that applicable to a non U.S. resident? So if for example I fly into Florida and want to buy an RV in Florida, Can I use an address of a friend? Should I get a Florida drivers licence before buying, registering and insuring? What about Texas? ... is it easier for a non U.S. citizen there? It would be great to connect on here with a fellow Australian who has been through the process already. Any suggestions or information would be greatly appreciated. regards Marilyn (from Normandy France ... yes I have been living there for the past 10years ... time for a new adventure ... cant wait to RV USA!)
  8. For those that are fully employed and working from your RV remotely through a telecommuting agreement with an employer....who has insurance for their property you have, liability, etc. while you work in your RV? I need to fulfill a "homeowners" insurance requirement in a telecommuting policy that covers their equipment at my "home" from loss and liability for injury etc. This is different than self-employed or running a business from the rig. If you have such a thing, with what company is it?
  9. We are beginning our full-time journey. I and my wife are covered under health care insurance through my employer and have coverage in two states. However, what should we do for the rest of the US? Indemnity insurance? Our policy is mostly 100% out of pocket unless urgent or emergency room. Hospitalization is not covered. My premium is VERY low because I work for a state agency, so it is tough to stomach other plan's costs instead if I were to opt out of that one. Thoughts?
  10. We just graduated to full time, and found our insurance seems really high. Who do you use/ recommend?
  11. Swhight

    Estimating RV Insurance Cost

    Hubby and I are shooting to be full-timing in the next 18-24 months. Just starting our research, and we're leaning toward a 25'-29' Class C, lightly used (mileage-wise), fairly recent model. We're looking to pay somewhere in the $60-$90K range, and drive around 10K miles per year (just a guess for now). Just wondering what we might expect to shell out for RV insurance. What other factors would influence the rate? Thanks in advance!! Suzanne
  12. Lately insurance seems to be burning a hole in the old radar screen so....... In the stone age I would sometimes stumble into a less than stellar aircraft project and often these turkeys were nearly impossible to obtain insurance and some were way too grim to even approach a insurer so we self insured. In the process of dealing with grim projects I came to deal with a fair amount of insurers and a couple of underwriters so recently I made a casual look-see what some of my old geezer--insurance-geeks might find out about the near past and current HDT RV underwriting issues that seem to exist now. OK like all good "Fake News" I got to do the disclaimer here........ First underwriters come in all flavors and all sizes and shapes and they tend to play their cards close to their chest so obviously as well as connected as I am I have not hacked any of the servers in their basement (or Hillerizzz) so.........what info I have been given is mostly from the RISK and Demographics side of the spreadsheet that underwriters use in their tool box. Underwriting is a diverse world and as such some smaller markets tend to be "active" and subject to sudden changes as the underwriters review the underlying risks & returns. Perhaps the best analogy to normal folks is that if you have a portfolio of investments sometimes you sell a few of the under performers just to invest in better investments and this is often the case in the small underwriter markets so a underwriter might leave the HDT RV market just to "enter-into-another-small-market" it just might be a underwriter seeking a better market. Other more obvious reason underwriters may leave the HDT RV market might involve: 1) Changes in demographics of clients 2) Cost increases of claims 3) Size of policy base 4) High profile events 5) State regulations 6) Federal regulations 7) Other So far what I have gathered is that trends have started to indicate that demographics for the HDT RV market has seen a considerable increase of younger folks buying HDT's and they tend to also buy large trailers as well. Recent claim trends tend to point to increases in costs as the total rig length and the younger operators converge in the market. Several thoughts concerning demographics seem to be summed up in that the younger operators may have better reaction times, vision and stamina but often are prone to attempting risk activities that the older operators tend to avoid so it appears that the lower risk trends favor the more mature operators. Longer length rigs often tax the skills of seasoned operators and often exceed the skill levels of the less experienced operators. Over the legal RV length limit can be a factor in defending a client in a legal action and may increase the legal defense claim costs. Perhaps the largest trend that is difficult to control is the high cost of repair of many of the larger trailers that HDT's tend to tow. Many of the larger RV trailer builders ceased to exist in the downturn and therefor factory supports and parts often do not exist so insurers are saddled with outsourcing repairs to shops that rightly must charge a lot for hand repairs to items that would be much cheaper to replace if the parts were available. Often insures will need to total a trailer these days that would have been repaired just a few years ago. Experience and operator training is a factor being considered in the trends of the HDT RV market. Unfortunately huge piles of data is compiled on class 8 trucks and so the risks of operations are well understood in the commercial markets however the NEAR total lack training in the RV markets can be unnerving to the underwriters and as younger operators enter the HDT RV market trends become more critical. The new government "trend-to-less-regulation" tends to make underwriters very nervous and a nervous underwriter is not a good thing in tiny markets like HDT RV's. Unlike most folks that have a computer full of classified data........the items above are pretty well proven by just looking around the threads on the forum(s). Maybe some things to ponder..... Drive on...........(How does my underwriter feel......today??)
  13. We are preparing to begin full time RV living at the end of March '17. We are liquidating just about all household goods but planning to put into storage some things that cannot be replaced if we decide to go stick and brick again. Do any of the companies that insure RVs and vehicles for full timers offer insurance that would cover items in a personal storage facility? Has anyone on the forum found a company they would recommend? Thanks in advance
  14. Help! We just received notice that Blue Sky will no longer cover RVs. We need to find a replacement company that works well for full timers and has liability coverage. We have an umbrella policy that will be invalid without liability coverage on either a house or an RV. Any suggestions?
  15. Hi Everyone, I just wanted to share my recent disaster with everyone and make sure nobody else makes the same mistake! Last month, I brought our recently purchased Chieftain (Ford V-10, 35U chassis) to the dealer for the infamous defective reverse gear transmission rebuild that every one of these will eventually suffer from if you didn't take advantage of the recall. The wait time on the rebuild was 8 weeks+, but they offered free storage, so we left it in their secure yard. Well, as we have always done while in storage, we dropped the comp and collision from the insurance policy... BIG MISTAKE! As you have all probably heard, LA suffered yet another round of flooding, and of course, our RV took on water above the dash for over a week. Please don't make this mistake! We have been RVing since 1979, and every time we have stored our coach for more than two months, we have always dropped the comp and collision, but never again! Worst thing is, I just retired, and my wife is following in February. We had our entire first year already planned out! Not sure what we're going to do now, at this point... -Rich
  16. Viv and Denis

    Insurance

    We are about to buy our first RV!!! Yeah!!! We are soooo excited! We will be full timers as soon as our house sells. Now we are looking at getting insurance so we will be prepared with it when we pick up the rig, hopefully later this week. What insurance (including roadside/towing) do you all find to be the best to work with and offer the best coverage for your motor home and toad? We have compared some prices but the service, when needed, is a better indicator of a good company. What have been your good/bad experiences? Thank you!!!
  17. Hi Everyone, I'm preparing to live and work full-time in my Winnebago Rialta HD and so far I've talked to 2 insurance agents who told me that I need to have insurance on another vehicle besides the RV, since even with full-timing insurance on my RV, it can't be my only auto insurance because I need to have another car for commuting to work, using a drive-through, etc. I explained that I work remotely, don't need a commuter vehicle, and have a small 21' RV that can go and park almost anywhere, but they said there is no way around this rule. Fortunately, I haven't gotten rid of my car yet. My question is--do I absolutely have to keep, store, and insure another car that I don't need and won't use, just to maintain RV insurance, or is there a way around this? If I have my RV insurance through a different company than the car insurance, can I just sell/donate the car and stop the insurance after securing the RV policy, or will that car insurance cancelation impact my RV policy somehow? I'd really appreciate any insight from anyone who knows about this or has been through this before. Thank you! Calvin
  18. I'm preparing to live and work full-time in my Winnebago Rialta HD and so far I've talked to 2 specialty RV insurance agents who told me that I need to have insurance on another vehicle besides the RV, since even with full-timers insurance on my RV, it can't be the only vehicle I have insured, because I need to have another car for commuting to work, using a drive-through, etc. Even after explaining that I work remotely, don't need a commuter vehicle, and have a small 21' RV that can go and park almost anywhere, they don't seem to understand that I really don't need a toad or commuter vehicle, and said there is no way around this rule. Fortunately, I haven't gotten rid of my car yet, so I can insure it and store it, but that seems like a waste of $ and space. Some suggested that I get a scooter and insure that. While that's a better option that would be cheaper and take less space, it would still be a waste and hopefully something I can avoid. Does anyone know if there any way around this rule, or any insurance agent/company that will insure a class B RV as the primary and only vehicle? Also, could this be a workaround--if I have my RV insurance through a different company than the car insurance, after securing the RV policy can I just sell/donate the car and stop that insurance, or will that car insurance cancelation impact my RV policy somehow? I'd really appreciate any insight from anyone who knows about this or has been through this before. Thank you!! Calvin
  19. Re-locating to Texas as a permanent domicile state. I would like to ask what insurance companies Rvers with fifth-wheels use to insure their fifth wheel and towing vehicle (my is a Siverado, 2500hd). Will be full-time and possibly traveling out of the state.
  20. cncdickson

    Travel to Mexico

    We are planning to travel to Puerto Penesco, Mexico in December. We figured that this would be a good introductory trip to traveling in Mexico. I recently am seeing things about needed to purchase special insurance for Mexico. Can anyone tell me what kind of coverage I need, how much I should expect to pay (class A towing a VW Jetta on 2-wheel dolly) and where the best place to purchase the insurance is? Also, if we think we will be going back in to Mexico in the next year, would we be better off purchasing a one year policy or just purchasing a short-term policy each time?
  21. We have had Humana for our drug coveraage. We have decided that they are about worthless. Can anyone recommend a good drug program that you personally are happy with? We arer over 65 and on Medicare. Thanks! Phil
  22. On Aug 7th I contacted Escapees endorsed insurance agency AIS RV Insurance, got a quote, and ordered a Progressive policy through them to replace a higher priced Good-Sam (National General) policy. Both companies sent emails welcoming me and telling me the policy was active. Progressive even emailed a temporary insurance card and info to login to their website. The login didn't work so I waited a couple of days, tried again, failed to login again, and phoned them. They were unable to explain why it didn't work but said AIS messed up sending them the policy. "It'll take 3 days to fix" they said. Over the 2 1/2 weeks since then I've called 6 more times between the two companies, each time they blamed the other company and said "It'll take 3 days to fix". If you want insurance, don't call AIS. Escapees should remove it's endorsement of the company.
  23. I am currently a resident of the state of Texas for over one year. I have my car titled, car registration and car inspected in the state of Texas. I have a current Texas drivers license. I am moving out of my apartment the end of this month. I am not an RVer yet but I work in the high tech industry on a contract by contract basis. The contracts usually last from 3 months to 12 months and are located all over the continental United States. I have already turned down work because of the logistics of moving and address changes. Changing my physical address for car registration, car insurance, drivers license (including taking the state drivers test(s) ), health insurance and all of the other IDs can be a real mess. So, I am considering using a mail forwarding service (such as Escapees Mail Service) and the associated physical address. Can you help me understand the issues associated with dealing with car and health insurance companies, banks and any loan issues such as buying a vehicle? Does your insurance rate go up? Does it change your credit worthiness? Thank you for your help.
  24. Looking for current input on TravelAssist. Has anyone had to use the service and were you satisfied? Is there a comparison with SkyMed available? Sure is a big price difference!
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