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Insurance for full-timers

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Has anyone investigated vehicle insurance for full-timers that includes personal property coverage?  We discovered what we believed was covered, was not.  We’d appreciate any suggestions for companies that cover full timers and our personal property.

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We called Miller insurance and they were very knowledgeable about full time RV needs. They were able to help us schedule those higher value items that are not fully covered by the general policy, like higher value jewelry, special items in storage, carbon bikes etc etc. You need to "schedule" certain items, dont assume your $4,000 bike is covered....

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If you are eligible for a USAA membership, they can put a package together for you, too. They've been very good to me for 35 years and, when we transitioned to full-time, passed me off to a supervisory agent, licensed in Texas, and familiar with the ins and outs of full-timing. (Yes - the coverage includes VPP/valuable personal property coverage and an umbrella policy for additional liability coverage). I think they only cover towables now, though - if you have a motorhome they shunt you to Progressive.

Rob

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7 hours ago, Second Chance said:

If you are eligible for a USAA membership, they can put a package together for you, too. They've been very good to me for 35 years and, when we transitioned to full-time, passed me off to a supervisory agent, licensed in Texas, and familiar with the ins and outs of full-timing. (Yes - the coverage includes VPP/valuable personal property coverage and an umbrella policy for additional liability coverage). I think they only cover towables now, though - if you have a motorhome they shunt you to Progressive.

Rob

This is good to know, since I am also a 35 year member of USAA and will not own a motorhome for fulltiming.

Thanks

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It all depends on what State you are registured in. Many insurance companies also say they are full time but they mean that the coverage is 365 days of the year. Make sure your full time coverage covers you when parked and for slip and falls in your rig and campground and for personal contents like a homeowners policy  

I was with Miller for many years and they were able to get me coverage with Allied a division of Nationwide. Their premiums went up a lot a few years ago. I shopped around and found out that in my State of So Dakota many insurance companies would not write a full time living policy. State Farm, Hartford (AARP), Liberty Mutual and it’s subsidery Safeco were a few who would not. I went with Geico and saved a lot. Got my Class A, Jeep Wrangler, Harley, an Umbrella and three rental properties with them. Just renewed and the premium actually went down. Just an FYI, Geico says they do homeowners and renters insurance but they actually broker it with Travlers but you still  have a Geico agent. 

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2 hours ago, Twotoes said:

Many insurance companies also say they are full time but they mean that the coverage is 365 days of the year. Make sure your full time coverage covers you when parked and for slip and falls in your rig and campground and for personal contents like a homeowners policy  

That is a very important difference. The typical RV policy does not cover items that most home owner policies provide for the owners when traveling, such as personal property coverage and guest liability should one get hurt. In addition, most standard RV policies have a limit to the number of nights the RV can be occupied. Agencies like those that I listed and also Miller are well aware of the fulltime lifestyle and know what you need. 

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I'll add, I found a broad Package policy with Good Sam.  My truck and 5th wheel are on the same policy with National General.  Phys Dam, General Liability, Personal Property, Med Pay, ect.  I found it to be much less than Foremost.

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When I click the Foremost Insurance link and enter 77399 as my zip code several local (to Livingston) agents are listed.  Has anyone dealt with a local Livingston agent they would recommend?

Thanks

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