Thread Tools Display Modes
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.

episodic is offline   Reply With Quote
Old 11-25-2015, 12:14 PM   #2
BamaGanza FROG Promoter
BamaBob's Avatar
Join Date: Nov 2013
Location: HuntsVegas, AL
Posts: 5,530
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 |
| SMI AF-1 Air Brake | 2016 Jeep Cherokee Overland TOAD | Pedego Bikes |
Nights Camped: 2013 - 24 2014 - 42 2015 - 56 Jul 2016 - Fulltime
BamaBob is offline   Reply With Quote
Old 11-25-2015, 01:00 PM   #3
Senior Member
ependydad's Avatar
Join Date: Nov 2011
Posts: 13,596
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.
2013 Sabre 36QBOK pulled by a 2012 Ram 3500 DRW
Blogs: Learn to RV & Personal Fulltiming Adventure
Towing Calculators: Towing Planner
ependydad is offline   Reply With Quote
Old 12-01-2015, 04:21 PM   #4
Senior Member
MNtraveler's Avatar
Join Date: Oct 2015
Posts: 1,265
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
2016 Forester MBS 2401R
2016 Forester 2401R
MNtraveler is offline   Reply With Quote
Old 12-02-2015, 06:34 AM   #5
Senior Member
cpaulsen's Avatar
Join Date: Mar 2012
Location: Brookings
Posts: 469
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.
cpaulsen is offline   Reply With Quote
Old 12-02-2015, 07:11 AM   #6
Senior Member
EastlakeRoo's Avatar
Join Date: Aug 2009
Location: Eastlake, Ohio
Posts: 461
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
2011 Ford F350 FX4
Eastlake, OH
EastlakeRoo is online now   Reply With Quote
Old 12-03-2015, 11:02 AM   #7
ron377ts's Avatar
Join Date: Jul 2015
Location: Wakefield,Ma
Posts: 51
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.

ron377ts is online now   Reply With Quote


Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

» Virginia Campgrounds

Reviews provided by is not in any way associated with Forest River, Inc. or its associated RV manufacturing divisions.

Our Communities

Our communities encompass many different hobbies and interests, but each one is built on friendly, intelligent membership.

» More about our Communities

Automotive Communities

Our Automotive communities encompass many different makes and models. From U.S. domestics to European Saloons.

» More about our Automotive Communities

Marine Communities

Our Marine websites focus on Cruising and Sailing Vessels, including forums and the largest cruising Wiki project on the web today.

» More about our Marine Communities

Copyright 2002-2015 Social Knowledge, LLC All Rights Reserved.

All times are GMT -5. The time now is 04:45 AM.