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Full Time Class A Insurance in FL


Packman
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I am FL resident and currently have my FW insured with Progressive. I have been considering selling the FW and getting an older Class A  pusher. I had heard that insurance is more, so I thought I'd get a quote on a theoretical rig. For a 2007 tiffin at $70k, the quote was over twice what I pay for the truck and FW. What do you pay for a class A, Full time?

 

Thanks - Rick 

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  • 2 months later...

Insurance rates are all over the place - generally speaking, the best rates is with your home owners insurance carrier. What others pay is really in material each person with their policy and driving record is going to be different. I heard many insurance companies will no longer insure RV's over 36 feet. You know how it goes they just want you to pay them they never want to pay out. Also check with companies like Good Sam and others.

Good luck on you venture!

Mike

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On 9/22/2021 at 8:15 PM, LowOnCash said:

Insurance rates are all over the place - generally speaking, the best rates is with your home owners insurance carrier.

The thread title has "fulltime" in it, so presumably the OP doesn't have a homeowners insurance carrier.

I have fulltimer coverage through Progressive (in Texas), and the last time I got quotes, it was cheaper going through a broker than going to Progressive directly.  So you might try a broker who specializes in fulltimer insurance, who also has the advantage of being able to give you quotes from more than just one insurance company.  I've never tried it using a theoretical vehicle, though.

 

On 9/22/2021 at 8:15 PM, LowOnCash said:

I heard many insurance companies will no longer insure RV's over 36 feet.

Where did you hear that?  There are only a few companies that offer fulltimer coverage at all, and if they're among the "many" who will no longer insure RVs over 36 feet, fulltimers are going to be in a world of hurt.

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I’ve had a wonderful experience with AAA Auto Insurance in TX. It requires AAA membership but that is of course valuable of itself when on the road full-time. We live in our 38’ class A and have told the insurance company so, but there has been no issue and they have even fulfilled two claims for us, very satisfactorily. In fact, on our current rig, it was the exact same annual premium to carry liability insurance only, or full comp & collision with lowest ($250) deductible — a no-brainer to be sure! We do attempt to keep our annual mileage below 15k, which not everyone can do.

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Progressive is what I use. It is real RV insurance not add on to auto policy. RV insurance is very different carrier to carrier. When I did my research carriers like Good Sam and Progressive offer replacement cost for five years and then agreed value. With a rig that is older then 5 years replacement valve is not offered that I know. People tell me that they added their RV to an auto policy for a few dollars a month. Please know what you are buying and fully understand what is covered and what is not. I have filed a claim with Progressive in the past, 2 years ago, and the were very easy to deal with. Good Luck

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9 hours ago, Gospel preacher said:

I’ve had a wonderful experience with AAA Auto Insurance in TX. It requires AAA membership but that is of course valuable of itself when on the road full-time. We live in our 38’ class A and have told the insurance company so, but there has been no issue and they have even fulfilled two claims for us, very satisfactorily. In fact, on our current rig, it was the exact same annual premium to carry liability insurance only, or full comp & collision with lowest ($250) deductible — a no-brainer to be sure! We do attempt to keep our annual mileage below 15k, which not everyone can do.

You might want to know that liability insurance on a vehicle is not the same as liability insurance for full timers. The first only covers you if you cause a vehicle accident. The second covers you if someone falls on your steps when visiting and covers your personal property if you have a fire. If you also own a home, the second is likely covered by your homeowners insurance but if you RV IS your only home you might want to get a full timers insurance policy.

Linda Sand

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As Linda said, if you don't own a home and have a homeowners policy, make sure you have full time liability coverage and not just collision liability coverage. Also make sure you have contents coverage to cover all your belongings, clothing, dishes, tools etc.  I have Geico for my Class A, Jeep, and Harley, as well as an umbrella policy, using the Escapees SD address. Great low premium and service. No brokers so you have to call them direct. 

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To make sure you have the proper coverage, look in the breakdown of coverages for a separate premium for "fulltimer's personal liability" or something along those lines.

A few years ago, I called Geico for a quote for a fulltimer's policy.  The Geico employees even answered the phone with something about how they specialize in fulltimer RV insurance.

I got the quote, which was just a total number.  I asked for a breakdown--I'm not sure what it's called, but it shows the various types of coverage I'm getting (like liability, comprehensive, medical payments), along with a premium and any applicable deductible for each element.

I keep a spreadsheet of insurance quotes, and when I was entering this one, I noticed there wasn't a listing for fulltimer anything (it usually runs about $100/year for me).  So I called back to get that added, and the guy said they didn't offer that type of coverage, and I said then it's not a fulltimer policy, and he said it was, because it covered use of the RV 365 days a year.  We went back and forth, and he eventually said Texas was the only state where they didn't offer the fulltimer's personal liability; I don't know if that was true or not.

These days, people are reporting getting true fulltimer coverage in Texas from Geico, so maybe they can offer it now.  And who knows if Texas really was the only state where you couldn't get it.

The Geico people even answered the phone by saying they are specialists or experts or something in fulltimer RV insurance, and I wonder how many people had the policy they tried to sell me without realizing it didn't have the crucial element to make it a fulltimer's policy.  I didn't notice until there was a cell on my spreadsheet to fill in, and I didn't have a number.

The bottom line is that anybody wanting a true fulltimer policy--with fulltimer's personal liability to replace what they had with homeowner's or renter's insurance-- needs to verify, with their own eyes, that it includes the fulltimer's personal liability. 

That goes for everybody, even those who have had a claim approved, if the claim was for something that's not part of fulltimer's personal liability.  The policy may cover you if you fulltime, but that doesn't mean it includes everything a fulltimer would want in a policy.  Definitely don't rely on anybody's assertion that it's fulltimer coverage, and check it yourself--all you have to do is verify that fulltimer's personal liability is on the breakdown.

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