rfkavanagh

On 7/7/2022 at 2:44 PM, Blues said:

Are you saying you were able to get quotes without providing any address whatsoever?  Insurance rates are based on zip code, and if you didn't give them one, I'm curious how they would be able to quote a premium.

If fulltiming, I've always thought it's a good idea to use a company that specializes in fulltiming because they understand that the "garaging address," which every policy I've ever gotten required, is a legal fiction in the case of fulltimers.  I figure if they sell me the fulltimer liability coverage, then they're acknowledging that I don't have a "real" garaging address, but they need something to set my rates.

I suppose companies insuring fulltimers without an actual garaging address could come up with a nationwide average for insurance premiums and charge fulltimers that, but they haven't chosen to do that, and still base everyone's rates on the Ip code for the garaging address that never actually garages the RV.

Apologies - I just realized I hadn't replied to this! 

I gave them my mailing address as part of the process, but that's a mailing service, not a house or garaging address, and not a location that I own or at which I live.  That's why I was so surprised when the whole "garaging address" issue came up - I'm living and traveling in the RV full-time, so I don't have any permanent home/garaging address to give them.  My mailing service address is literally the only option I had to provide. 

Seems like that would be a common issue when insuring full-timers and that they'd have come up with a workaround by now.  While it may be commonly accepted that "garaging address" is a bit of a fiction for full-timers, I just don't like that it's the legal terminology used in the policy - I have nightmares of an insurance company denying payout because the garaging address on the policy is not literally a garaging address for the vehicle.

1 hour ago, sandsys said:

You did well. Back in 2008 Progressive sold us a full timer's policy even though we told them we had no other vehicle. Fortunately we read the fine print when we received the policy and found that exclusion. They gave us a full refund without argument.

Linda Sand

I only noticed because when I'd got through the entire process and was about to purchase, they asked me to confirm various statements about the vehicle, and one of them was that it wasn't the only vehicle in the household.  There was no option to question or change any of the statements - just a "check this box to confirm all of the above" - so I chatted with an agent and they eventually informed me they would only cover an RV when there was another vehicle as well (so that you're not using the RV for errands, groceries, etc.).  As I said to the agent, it would have been nice if they'd stated that somewhere up front before going through the entire quote process.

Thanks to this thread, I just got a policy from National General - full-timer Class C RV policy, 12 months, for less than $1k.  Not too bad!

I tried various other insurance companies, but they all fell apart for various reasons.  Progressive mandates that you have a second vehicle that you tow, or else they won't insure an RV full-time - which is kind of absurd and defeats the whole point for me.  A couple of other companies won't let you go any further in quote generation without providing a garaging address, which again is kind of antithetical to the idea of full-timing in an RV.  And any company that can't give me a quote online doesn't get my business - I was surprised how many of the RV specialist companies mentioned up-thread require you to call.

I'm a total newbie to RV-ing, and I didn't expect it to be so challenging to get an RV policy, so thanks for all the input in this thread.  Surely RV-ing full-time without a permanent garaging address and no other vehicle can't be that unusual!