No insurance - Gulf Coast states

[toybob]

We are checking on insurance for the Toy Hauler we ordered and the first insurance company we checked with told us that many insurance companies will not insure RVs in Gulf Coast states due to hurricanes. Is this true?

[jaxfl]

Call the lizzard, GEICO, they insure RVs in Florida, I know, mine is insured with them.

[milzat]

This is a common practice with ANY insurance company. NO policies are written while a storm is in the Gulf.

[toybob]

Originally Posted by milzat

This is a common practice with ANY insurance company. NO policies are written while a storm is in the Gulf.

Thanks for your reply milzat. So they will insure an RV when there isn't a storm in the Gulf? I was under the impression that many will never insure an RV in Gulf Coast states.

[toybob]

Originally Posted by jaxfl

Call the lizzard, GEICO, they insure RVs in Florida, I know, mine is insured with them.

Thanks for your reply. I will definitely call the lizard

[bob34787]

I live in florida and I just added it on to my auto policy with travelers, only cost 200 per year with a 50 deductible

[pondlady]

I added my TT to my Geico last month with no trouble. But no company will write a policy while there is a storm in the gulf. Bonnie doesn't really qualify as a storm anymore, so you should be able to get insurance Monday morning.

[archham]

This is a common practice - when a named storm in within a certain area, insurance companies stop accepting new clients and will not increase/add coverage for existing clients. The obvious reason is to prevent people from waiting to buy insurance until a storm is imminent and then cancelling it afterwards. Happens here in NC when a hurricane/TS is in the Atlantic.

One of the problems with OBAMACARE is that insurance companies cannot deny coverage for pre-existing conditions, so the fear is that people will wait until they are sick to get coverage. That is another story though

[texasgeorge]

I added my coach to my State farm insurance and they coverd me. I live in Corpus Christi TX and they do cover RV's just not when there is a storm in the gulf. That applies to any house wind and flood insurance they wont insure any thing with a storm in the gulf.

[Iggy]

Checked GEICO and they were way high $480 a year.
Landed up getting the exact same coverage at Progressive for $180 a year.