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Old 11-25-2015, 11:55 AM   #1
Join Date: Nov 2015
Posts: 55
Best RV Insurance for full-timers

I would love to find an insurance that had coverage for rodent damage (in SW with packrats) and is fairly comprehensive for full-timing.

We have Geico at the moment, just bought the rv. However, I found they don't cover rodent damage, and that is a real issue in AZ.

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Old 11-25-2015, 12:14 PM   #2
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Location: Whereever our Berkshire is Parked!
Posts: 7,037
This is our Agent - while we are not fulltimers *yet* she did do a insurance excursion for us to estimate the cost when we do go fulltime.

Twyla Stenzel
RV Specialist
Farm & City Insurance
Forest City, Iowa
fax - 641-585-5166

Bob & Anne-Marie [BamaBob & 6 Actual]
| 2017 Berkshire XLT 43A with Ultrasteer Tag | Blue Ox Avail + KarGard II |
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Old 11-25-2015, 01:00 PM   #3
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Posts: 16,685
We contacted Miller RV Insurance. They're a broker for multiple companies and help find the best coverage of them. They are know the needs of fulltimers and can help steer you in the right direction.
2012 Ram 3500 DRW/crew cab/long bed/4x4/4.10 gears pulling a 2017 Spartan 1245 by Prime Time
Checkout my site for RVing tips, tricks, and info | My family and I have fulltimed since June 2015
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Old 12-01-2015, 04:21 PM   #4
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Even homeowner's insurance won't cover incremental or gradual (as opposed to sudden incident) damage from rodents, vermin, etc. There is just too much of it that goes on day in, day out, in every house. For example, if a squirrel lives in your attic and ruins your insulation and wiring you are probably SOL. But if it falls down your chimney and destroys a window to get out, you may be covered.

From Allstate:

What About Damage by a Wild Animal?

When a non-domesticated animal damages a structure or dwelling, you may be able to file a claim. If a raccoon ravages your garage, your personal belongings typically won't be covered, but any damage to the garage itself is likely included in your coverage. Similarly, if a bear knocks some siding off your cabin, the damage to the building may be covered. However, damage caused by insects, rodents (for example, rats, mice, squirrels and chipmunks) or birds (although a window broken by a bird may be an exception) is usually not covered by standard homeowners policy. Animal infestations and damage from animal waste or secretions are also generally excluded from homeowners coverage. Should a bat take up residence in your attic, your homeowners insurance is not likely to help with removal, clean-up or repairs to any damage it leaves behind.

You can always ask what a special rider would cost. Or perhaps one of the gentlemen at Lloyd's of London will accept the risk if you can pay in British Pounds... ;-)

Land of 10,000 Lakes
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Old 12-02-2015, 06:34 AM   #5
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Location: Brookings
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We tried Geico and also Hartford from AARP.....hey do not cover full-timers. Had National General thru Good Sam but in 2 years the rates would keep going up. Talked to Progressive and told them what we do and with the 5ver/truck and ended up being almost half of what National charged and also included towing for all with full coverage. So I dropped GS Roadside also.
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Old 12-02-2015, 07:11 AM   #6
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Put a call into Progressive. They offer great rates and provide superior customer service when there is an issue. Never had a complaint with them.
2014 Wildwood 300BH
2014 Ford Explorer XLT
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Eastlake, OH
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Old 12-03-2015, 11:02 AM   #7
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Location: Wakefield,Ma
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Progressive also has replacement value on rig until it is 5 years old, then it reverts to purchase price. I couldn't replace mine for what I paid for it.

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