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Old 05-28-2013, 11:49 AM   #1
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Full timers insurance

Need advice from anyone who's been through the "wars" on this one. Currently have the coach and toad insured through State Farm. Have been continuously insured with them for right at 50 years.

They do not offer "fulltimers insurance" per se. So, currently I have the coach insured as though it's just another motor vehicle.

Besides having no coverage on the contents, is there any other downside to leaving it this way?

I'd rather not use Goodsams, since it's underwritten by GMAC. For reasons I'll not detail, I SWORE a year ago that I'd never do business with them again.

Boowho??
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Old 06-11-2013, 03:23 PM   #2
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Boohoo, I am a full timer as well. I have auto insurance on my 5th Wheel and Renters insurance for my personal possessions. I am insured through USAA. Have you looked this option?
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Old 06-11-2013, 11:29 PM   #3
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Quote:
Originally Posted by Oldcamp1986 View Post
Boohoo, I am a full timer as well. I have auto insurance on my 5th Wheel and Renters insurance for my personal possessions. I am insured through USAA. Have you looked this option?

Not yet, but sounds like a great idea. I'll check that out with State Farm.

Boowho??
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Old 06-12-2013, 11:10 AM   #4
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We full time and are insured through Erie Insurance, might want to try them also. Good luck.
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Old 06-12-2013, 11:22 AM   #5
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Good question....and good answers. I've often wondered about this.
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Old 06-13-2013, 11:00 AM   #6
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If the unit is financed, you should have replacement cost. If you get an auto type policy, you may have ACV, and many people who finance RVs owe more then the ACV, therefore, they could have a total loss and they would pay less then you owe.
Good Luck
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Old 06-20-2013, 08:03 PM   #7
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I was shopping for insurance today and noticed Progressive offers RV insurance, with "primary residence" for an option. Also varying amounts on personal contents. Although I'm dreaming of Full-Timing it, when I trade this Salem 25FG in for a larger trailer, I'm content starting simple and merely recreational for now. <wink>
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Old 06-22-2013, 08:53 PM   #8
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I just purchased my first tt a little over week ago. I will be full timing starting around the second week in July. I insured the trailer itself for $15,000 (about $160.00 a year) and, my agent told me when I'm ready, I can purchase insurance to cover the actual contents inside the trailer.

I have Allstate, have been with them over 27 years.
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Old 06-25-2013, 04:39 PM   #9
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USAA doesn't offer RV Insurance. They have a partnership with Progressive. Do to whatever arrangement they have with Progressive. Progressive does not offer fulltimer insurance through them. Although you can get it directly through Progressive. Or so I was told by the Progressive USSA rep
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Old 06-25-2013, 08:07 PM   #10
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USAA doesn't have "RV" Insurance. That said, I insured my 5th Wheel on my USAA auto policy and my personal items under a Renter's policy. This might be a viable option for some.
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