Full Time Insurance on an Older RV

[A_K_Chesnut]

We are picking up our first RV tomorrow, going full time August 1st.

 

Had a nice chat with Geico, they'll be covering us for our "pleasure" use until we go full time.

 

Quite a few differences between coverage available dependent on our RV. Seems the cutoff age for Geico is 15 years. Also seems to matter we will NOT have a vehicle, just two motorcycles. That definitely seems to change what's available.

 

 

Our RV is a 1993 Tioga Montara 23'6". Certainly not worth a bunch, but it will be our home. Who else is full timing in an older RV that can offer advice on full time insurance? Companies? Coverage? Do you look for a company that will offer emergency expensive service (Geico won't)? How about roadside? Again that's something that Geico won't offer, they recommended we go with Good Sam.

 

Thanks!

[Klc]

We have been with Progressive for many years. Just bought our 1st mh and found our it is a separate policy,but they Also have many options. They do have roadside. We are not ft yet, (next year at this time). They do offer coverage for ft'ers.

[LFDR3116]

We have Progressive for our full-time coverage in our state of residence. Have you decided where you will establish your residency? Insurance rules can be different not only between various companies, but also between different states.

[Kirk W]

I suggest that you contact two or three of the listed insurance agencies that have a track record with Escapees and have good reputations.

Foremost Insurance

Explorer Insurance Co.

Miller Insurance

RV Advantage

Bancorp South

AIS RV Insurance

 

Any of these companies will understand what you mean by fulltimer and will have the coverage's that you need. Get several quotes and then compare coverage and prices.

[bockofma]

Good day, A.K.

 

We as full-timers are very pleased with Blue Sky both in terms of premium, and recently (unfortunately...) in terms of claims handling.

 

Try contacting Jim Schecter at 866.484.2583, Ext. 532. I'm not sure they will cover an older unit, but it's worth a try.

 

Regards,

 

Michael

[lb311]

I just recently switched from a pleasure policy directly with Progressive, to a Progressive full-timer policy purchased thru an RV specialty agency, American Adventure Insurance. Thru the agent, I was able to get expanded coverage that Progressive would not sell me directly-- specifically, Agreed Value coverage so that Progressive will pay me the value of my RV when I started this new policy and not some minimal "appraised value" that they come up with on their own later on; and secondly, Scheduled Personal Effects, so that my electronics and photo equipment will not be capped to just $1,000 or $3,000 per group and will be covered if the items are lost/stolen when away from my RV.

AAI represents many other full-time RV insurers besides Progressive, so they can probably find something to fit your coverage needs and budget. Surprisingly, my expanded quote from AAI was $100 less per year than what Progressive quoted directly, and I can still manage the policy via Progressive's online website. Very happy camper!

Lynne

[A_K_Chesnut]

Wow, thank you for all the resources everyone!! I'll be making some phone calls.

[Al F]

Consider not insuring the RV for collision or comprehensive. The RV is not worth much as far as book value goes. Almost any damage done in an accident will allow the insurance company to "total" the RV. Basically if the damage estimate is for more than about 55% to 70% of the book value of the vehicle they will not pay to have it repaired. They will give you the book value minus the salvage value and send you on your way. You can take the money and get the vehicle fixed and then get a salvage title and keep the vehicle. But it is unlikely that if the damage is over $2500-3000 that they will pay to have it repaired. That dollar figure may be as low as $1500 to total the vehicle.

[Biker56]

I have National General through Good Sam on my 17 year old MH & Toad.

When I had a motorcycle I used Progressive for it.

[A_K_Chesnut]

Not carrying collision might be the trick. I ask when I make my calls how they would value the RV. I don't carry collision on the motorcycles, they're cheap and easy to fix (KLRs). If I owned a big Harley would be a different story!

[jbh]

I have fulltimer insurance on my 1993 motorhome with Foremost with "agreed value" coverage. That is, book value doesn't matter.

 

Fulltimer insurance is different than auto insurance such as Geico etc; it's more like homeowners insurance and includes liability insurance that auto insurance doesn't, insurance for contents etc. Fulltimer insurance isn't cheap. Also a company may require that you have other vehicles; of course your motorcycles are those other vehicles.

 

As for roadside coverage imho the only worthwhile one is Coach-Net https://coach-net.com/

[Al F]

I have fulltimer insurance on my 1993 motorhome with Foremost with "agreed value" coverage. That is, book value doesn't matter.

 

Fulltimer insurance is different than auto insurance such as Geico etc; it's more like homeowners insurance and includes liability insurance that auto insurance doesn't, insurance for contents etc. Fulltimer insurance isn't cheap. Also a company may require that you have other vehicles; of course your motorcycles are those other vehicles.

 

As for roadside coverage imho the only worthwhile one is Coach-Net https://coach-net.com/

Do you have any info on how far above book value they would go on a 1993 RV? Say the book value was $4000 and you wanted to insure for $12,000, will they do that?

 

I also wonder if they still would take the estimate and if it was the 55% or 70% (or whatever % they use) of the agree value if they will still total it?

[nana25k]

When you spike with GEICO did you speak with the RV specialist? Our RV is over 15 years old and we have fulltime coverage and our car

[Biker56]

I have fulltimer insurance on my 1993 motorhome with Foremost with "agreed value" coverage. That is, book value doesn't matter.

 

Fulltimer insurance is different than auto insurance such as Geico etc; it's more like homeowners insurance and includes liability insurance that auto insurance doesn't, insurance for contents etc. Fulltimer insurance isn't cheap.

My Full Time insurance doesn't cover contents. Contents(Personal Effects) is a separate $$ item and you can cover what ever amount that you want to pay for over the standard covered amount..

My Full Time is liability to cover any one falling off the steps, hitting their head on a slideout & etc.

 

Like I posted my Full Time is $76 a year. Just a small portion to the rest of the policy.

[A_K_Chesnut]

When you spike with GEICO did you speak with the RV specialist? Our RV is over 15 years old and we have fulltime coverage and our car

Sure did! Great guy, long conversation. Like I mentioned in the first post, we are limited with what Geico will do due to the age of our RV AND the fact we don't have a car to insure.

[jbh]

I have no idea what my book value is but I'm sure it's _far_ less than the agreed value. Also, minimal contents coverage is included and significant contents coverage of course costs more.

 

I believe Geico farms out fulltimer insurance to Foremost. Since Foremost doesn't sell primary auto insurance in Florida I had to have an auto insured elsewhere before they would write the policy. I don't know if motorcycles would count but since they're licensed and insured transportation they probably would.

 

I once had an old class C insured with Geico pretty much as an ordinary auto with high deductible and little collision. The policy was cheap. A Geico rep quite candidly told me that coverage would be void if I was living in it _or they could determine that I was living in it_.

[nana25k]

 

I have no idea what my book value is but I'm sure it's _far_ less than the agreed value. Also, minimal contents coverage is included and significant contents coverage of course costs more.

 

I believe Geico farms out fulltimer insurance to Foremost. Since Foremost doesn't sell primary auto insurance in Florida I had to have an auto insured elsewhere before they would write the policy. I don't know if motorcycles would count but since they're licensed and insured transportation they probably would.

 

I once had an old class C insured with Geico pretty much as an ordinary auto with high deductible and little collision. The policy was cheap. A Geico rep quite candidly told me that coverage would be void if I was living in it _or they could determine that I was living in it_.

 

GEICO began writing full-time policy's on or about January 2007. We were in fact one of their very first customers. I'm pretty well versed in their product and timeline because our son was actually in product development for the Power Sports Division during its creation and he was very involved in their entire RV product. . While I'm sure there might be situations that are farmed out Ours never has been.

 

For the initial OP I'm sorry you didn't qualify as we have had amazing service from GEICO for near 30 years.