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National General 10 month requirement

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New to full timing, established domicile in Texas. Got full timer coverage with National General, Integon Indemnity Corp also shown on the policy.

 

Reading the fine print on a page titled "Applicants Statement", ... I agree that my principle residence and place of vehicle garaging is correctly shown above and that the vehicle is in this state for which I am applying for insurance AT LEAST 10 MONTHS EACH YEAR. I understand the Company may declare this policy null and void ... if said answers are false or misleading...

 

Have no interest in the possibility of a lot of liability and a policy declared null and void.

 

If you have a National General policy, does the applicant statement contain this language? Am I misinterpreting something?

 

Thanks

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I would immediately cancel that coverage. Just like we did when reading our Progressive policy and found out they required us to have a second vehicle since we didn't have a toad at that time. We got all our money refunded. I hope you do, too.

 

Linda Sand

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I suggest that you contact your insurance agent about that statement, immediately! Ask if what you have is full-time coverage? If he can't help you out, then contact one of these agents and discuss this problem with them. Do not cancel your insurance but when you find a new coverage that is acceptable for fulltime RV travels, have them also inform your present policy underwriters, as you do not want to be without coverage even for a day or two. Here are some suggested agencies that you may want to contact.

 

Miller Insurance

 

AIS insurance

 

Explorer Insurance

 

RV Advantage

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Miller Insurance in OR quoted a full timers policy on our fifth wheel and GMAC policy on the truck.

When I read the truck policy it said the same as yours, the truck had to be garaged more than half the year in our state of residency. I found another carrier for the truck. Glad you checked yours, I hope

others are too. Greg

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I have National General through Good Sam and just checked all my documents PDF's real close for FULL TIME PROTECTION COVERAGE and AMENDMENT OF POLICY PROVISIONS.

I found no requirement for it being garaged in the state of Florida at any time or any length of time where it is Insured.

 

I am up for 6 month renewal the first of April and the MH $$ went down $6 but the toad went up $49. :(

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It is possible that because it is a full-time policy, there is another endorsement that cancels that clause in the policy. You should call the agent or company directly and specifically ask. If this is the case, they should be able to refer you to the proper documentation, or send you a copy. When a standard policy is used, it often is customized by way of endorsement.

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The agent went back to National General to clarify, sent me the following:

 

"This is what National General sent to me in regards to the vehicle staying in the state of Texas for 10+months.

With the insured being a fulltimer, we completely understand that they will not have the vehicle in the state of Texas for 10+ months. The intent of the verbiage is for if the risk was a monoline auto. Currently, I am working with the Product Manager regarding the verbiage to make it specific to RV. "

 

Still a little concerned but the 10 month verbiage is contained in an application that National General instructs the agent to retain and not forward to National General.

 

Still a little concerned but will accept this for now.

 

Thanks

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I'm presently, for about 7 weeks, insured by BlueSky and RV insurance is like apples and oranges or a fruit basket. So I have great interest at different comments.

My observation is it may easier insure a 27 ton Class A with toad than a MD Truck. Looking back in time I have questions within comments on what and where something is insured. I do appreciate the small print comments. I remember about a year ago I was having trouble getting answers so I asked to see a sample policy to be told, We will send you a complete policy when you sign up.

 

Presently the FW is my home but this year again it will be parked (slides in) a month or so while we take some car trips and be at the mercy of relatives in the big cities where the height of a Class 5 truck or larger are not welcome. The fifth wheel has never been the problem and if I elected to continue to pulling the FW with a overloaded pickup (as many do), I wouldn't be looking now.

Last year it didn't seem to be an option to have separate policy for each vehicle.

 

Bottom line I have a MDT pulling a 40 Foot FW. I'm retired but do drive the MDT as sole vehicle and no plans to see my Texas place of Domicile this year. So I'm working from Kirk.s list plus a few.

 

The joys hunting for insurance either vehicle or health

 

Clay

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You are not kidding about it getting complicated with an MD truck.  Your options for companies that will write fulltimer insurance with a MD truck are few and getting fewer.  My National Interstate agent told me she thought it was down to two now.

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Insurance issues although they can be worked around was one of the primary reasons we did not sell our S&B and kept the Domicile.

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My National General Policy specifically calls it Full-timer insurance and has no clause about having to garage it for 10 months a year.  In addition, I have no other vehicle.  In fact, one thing I like about the policy is the ability to increase personal effects coverage, which I did, because I tend to carry more electronics and stuff than regular campers and discussed this with my agent. 

My domicile is Ohio, if that makes any difference.

 

 

Edited by Solo18

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It is virtually impossible to read the fine print on an insurance policy and completely understand the coverage.  For that reason I went to an RV insurance specialist and bought the policies they recommended.  Turns out they did not read or understand the fine print either.  When needed we found RV policies typically cover little in the way of personal property and provide little protection in the event of theft.  Even worse our theft occurred from a car we rented for the week while visiting relatives in a dense urban area.  Nothing was covered and we lost expensive photography gear in addition to a lot of clothing that the thief just dumped somewhere.

There is a reason for the lack of coverage.  Typically homeowners insurance covers theft and other issues.  The insurance companies need to have competitive rates and not charge double for the same coverage.  You need a policy that is geared for the fulltimer without a brick and mortar residence.  After a lot of research we found you can forget Allied, Progressive, State Farm and a host of other well known insurance companies.  We only found National Interstate as a company that provided comprehensive insurance for a fulltimer.  They cover personal property, liability and offer "riders" to cover special high cost items such as musical instruments, cameras and jewelry.

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We have a full-timer RV policy from Progressive with contents, liability etc and increased some of the coverages for what we needed.   It does matter which state you are purchasing your insurance in.  Any insurance company will have different offerings and options in the different states, as well as different premium charges. 

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My policy covers $15,000 worth of personal belongings.  I originally increased their basic coverage for personal property to $25,000, but last year decided to cut it back when I added all my stuff up. That ought to more than cover my camera and two computers, plus all my clothing.  I do not have a sticks home or even a car, but some china and a few boxes of family things are stored at my son's house.  I gave away the sterling stuff I had inherited to my kids, so they can insure it now.  And, I put any really good jewelry in a safety deposit box. 

Oh, and I literally almost fell over when I started out and got a quote from State Farm, which I had had for cars and houses for 35 years!  They wanted $5,000 per year for my motorhome and no personal property!  Got my current insurance for 1/4 of that.  So much for feeling wanted by State Farm!!! 

Edited by Solo18
addition and clarification

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