Rick03hd Posted October 21, 2017 Report Share Posted October 21, 2017 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. Link to comment Share on other sites More sharing options...
Kirk W Posted October 21, 2017 Report Share Posted October 21, 2017 Fulltimer coverage always costs more than your typical RV coverage because it covers things that a standard policy leaves to a home owner's policy. It has liability coverage, more coverage for your possessions, as well as coverage for the RV being in use for 12 months of the year while most typical policies are based on much lower levels of use. Since premiums are based on many things including your credit rating and driving history, I suggest you get more quotes to compare with. Miller Insurance Agency RV Advantage Insurance AIS Insurance Agency RV Advantage Good travelin !...............KirkFull-time 11+ years...... Now seasonal travelers.Kirk & Pam's Great RV Adventure Link to comment Share on other sites More sharing options...
WeBeFulltimers Posted October 21, 2017 Report Share Posted October 21, 2017 2 days ago I got a quote from Geico for a 2018 Montana 3791RD for full-time coverage with full replacement. $640 per year. I was paying $560 for the 2012 Montana 3585SA also with Geico. Let me also say that I get a multiple policy discount because they also insure my truck and I'm also domiciled in Tennessee. Progressive sounds high to me too! Fulltiming since September 1, 2010 2012 Ford F-350 PSD SRW Lariat Crew Cab 2012 Montana 3585SA Link to comment Share on other sites More sharing options...
hdrider Posted October 21, 2017 Report Share Posted October 21, 2017 We are in a 2014 motorhome but I just renewed ours yesterday at a cost of $1662 for the year. Of course there are a lot of variable that go into the price of insurance. Dave & Diane 2020 New Horizon Majestic 5th wheel 2018 Ram 5500 2014 Tiffin Phaeton 42LH (SOLD) 2012 Jeep Rubicon Unlimited (SOLD)http://daveanddiane.wordpress.com/ https://www.youtube.com/channel/UCWqRmO1rO4cu3rFANF1iG6Q http://tickers.TickerFactory.com/ezt/d/4;10752;80/st/20120701/e/Went+fulltime/dt/-2/k/271f/event.png Link to comment Share on other sites More sharing options...
Rick03hd Posted October 22, 2017 Author Report Share Posted October 22, 2017 15 hours ago, WeBeFulltimers said: 2 days ago I got a quote from Geico for a 2018 Montana 3791RD for full-time coverage with full replacement. $640 per year. I was paying $560 for the 2012 Montana 3585SA also with Geico. Let me also say that I get a multiple policy discount because they also insure my truck and I'm also domiciled in Tennessee. Progressive sounds high to me too! I already have Geico but when I bought the Momentum they said they would not do replacement cost because of the high value. Link to comment Share on other sites More sharing options...
LindaH Posted October 22, 2017 Report Share Posted October 22, 2017 2 hours ago, Rick03hd said: I already have Geico but when I bought the Momentum they said they would not do replacement cost because of the high value. When you talk to insurance companies about replacement cost coverage, be sure to inquire about the length of that coverage. We've had replacement cost coverage on all of our RVs and it's always been for 5 years and then reverts to the price you paid. When we were shopping for insurance for the RV in my signature, I was talking to one insurance company and they offered replacement cost coverage for only 18 months! Needless to say, we didn't go with that company. LindaH 2014 Winnebago Aspect 27K 2011 Kia Soul Link to comment Share on other sites More sharing options...
WeBeFulltimers Posted October 23, 2017 Report Share Posted October 23, 2017 Geico replacement coverage if for the first 5 years and then it goes to your purchase price. Fulltiming since September 1, 2010 2012 Ford F-350 PSD SRW Lariat Crew Cab 2012 Montana 3585SA Link to comment Share on other sites More sharing options...
Biker56 Posted October 23, 2017 Report Share Posted October 23, 2017 When my National General through Good Sam was due for renewal the 1st of this month. I checked with Geico and my toad alone would be 143% more with them. Full Time since Oct. 199999 Discovery 34Q DP | ISBDatastorm | VMSpc | Co-Pilot Live | Pressure Pro2014 MKS Twin Turbo V6 365 HP Toad Link to comment Share on other sites More sharing options...
rynosback Posted October 23, 2017 Report Share Posted October 23, 2017 All insurance prices are based on your domicile zip code. So that could be the big reason for the high cost. I was with Blue Sky and they stopped insuring RVs, so I shopped around and went with Progressive. Just make sure that you are looking at the same coverages and deductibles when shopping around. 2015 Ram 3500 RC DRW CTD AISIN 410 rear 2016 Mobile Suites 38RSB3 Link to comment Share on other sites More sharing options...
Twotoes Posted October 23, 2017 Report Share Posted October 23, 2017 Wow. I have a 2015 Itasca Class A and pay over $3,000 for fultime coverage with a $1,000 deductible. I went thru Miller Insurance who placed me with Allied a division of Nationwide. I have my Jeep and Harley with them too along with three rental properties and an umbrella policy. I am registered at the Escapees address in So Dakota. My premium sound a little high compared to the other posts! 2015 Itasca Ellipse 42QD 2017 Jeep Wrangler Unlimited Rubicon Hard Rock Edition 2021 Harley Street Glide Special Fulltimer Link to comment Share on other sites More sharing options...
SWharton Posted October 24, 2017 Report Share Posted October 24, 2017 It must be SD or your driving record. We just renewed our Allied policy for $1800 with a TX Escapees address. Not sure what our deductible is. We only have the MH with them. Link to comment Share on other sites More sharing options...
rynosback Posted October 24, 2017 Report Share Posted October 24, 2017 Not sure what it really is. My driving record is clean and my credit is good. The link below shows my decloration page. http://www.m109riders.com/forums/attachment.php?attachmentid=360810&d=1508822926 2015 Ram 3500 RC DRW CTD AISIN 410 rear 2016 Mobile Suites 38RSB3 Link to comment Share on other sites More sharing options...
Barbaraok Posted October 24, 2017 Report Share Posted October 24, 2017 Fire Department Services? Barb & Dave O'Keeffe 2002 Alpine 36 MDDS (Figment II), 2018 Ford C-Max HYBRID Blog: http://www.barbanddave.net SPK# 90761 FMCA #F337834 Link to comment Share on other sites More sharing options...
rynosback Posted October 24, 2017 Report Share Posted October 24, 2017 8 hours ago, Barbaraok said: Fire Department Services? Maybe some areas of the country charge for when the fire department comes out? I know that ambulances can charge you. Especially because I would be out of state. And they do not collect taxes from me, besides sales tax on things that I purchase. 2015 Ram 3500 RC DRW CTD AISIN 410 rear 2016 Mobile Suites 38RSB3 Link to comment Share on other sites More sharing options...
Twotoes Posted October 24, 2017 Report Share Posted October 24, 2017 19 hours ago, SWharton said: It must be SD or your driving record. We just renewed our Allied policy for $1800 with a TX Escapees address. Not sure what our deductible is. We only have the MH with them. I have an excellent driving record. No tickets or accidents for years and I have been told that SD rates are lower than most areas. When I went full time and left CA I saved a lot changing my insurance to SD at the time. But I had a Fifth Wheel then. 2015 Itasca Ellipse 42QD 2017 Jeep Wrangler Unlimited Rubicon Hard Rock Edition 2021 Harley Street Glide Special Fulltimer Link to comment Share on other sites More sharing options...
JimK Posted November 3, 2017 Report Share Posted November 3, 2017 Watch out for insurance policies that seem cheap. The coverage may not be what you want. As Kirk pointed out full timers insurance is a lot different than just accident coverage for an RV. We had an inexpensive policy from Allied. When we had property stolen we found there was almost no coverage. It is also very likely you will want a separate "umbrella" policy. Also I recommend being careful about taking insurance advice from others on the internet. Many people do not understand their coverage. Also policies even from the same company can vary widely depending on the State where the policy was issued. Check carefully to consider what you need and what is actually covered. Link to comment Share on other sites More sharing options...
SWharton Posted November 3, 2017 Report Share Posted November 3, 2017 We just "moved" to TX, Livingston and the price went up $600/year. I asked why the jump and TX has been hit with a lot of storms this year. Paying $1850 for agreed value of $100K. MH is 2 years old and I felt that was fair. If we total this MH we are not buying again. This is our last RV. Link to comment Share on other sites More sharing options...
rynosback Posted November 3, 2017 Report Share Posted November 3, 2017 2 hours ago, JimK said: Watch out for insurance policies that seem cheap. The coverage may not be what you want. As Kirk pointed out full timers insurance is a lot different than just accident coverage for an RV. We had an inexpensive policy from Allied. When we had property stolen we found there was almost no coverage. It is also very likely you will want a separate "umbrella" policy. Also I recommend being careful about taking insurance advice from others on the internet. Many people do not understand their coverage. Also policies even from the same company can vary widely depending on the State where the policy was issued. Check carefully to consider what you need and what is actually covered. I agree completely. I shop my rates every 2 years. And I make sure that the coverages are the same if not better then our current policy. 2015 Ram 3500 RC DRW CTD AISIN 410 rear 2016 Mobile Suites 38RSB3 Link to comment Share on other sites More sharing options...
Blues Posted November 3, 2017 Report Share Posted November 3, 2017 With Geico, check to be sure there's an item for fulltimer's liability. They don't offer it in Texas, and I recall that someone else said it wasn't included in their state, either (can't remember which one). Geico's stance is that it's a fulltimer's policy because it covers use 365 days/year, while my stance is that a true fulltimer's policy has to have fulltimer liability, to cover what would otherwise be included in a homeowner's or renter's policy. Link to comment Share on other sites More sharing options...
masterdrago Posted November 12, 2017 Report Share Posted November 12, 2017 Adding our new 3791RD to our car, truck and home with Liberty Mutual added $41.50/mo to our bill. We are not full timers yet. 1st Time RVer 2018 Montana 3791RD, 2018 Ram 3500 DRW Link to comment Share on other sites More sharing options...
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