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Old 10-27-2014, 04:09 PM   #11
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Friends of ours are full timers. They lost their Mobile Suites in a fire. The $10,000 personal effects coverage did not come close to covering their loss. If you don't full time and have a homeowners policy, that policy provides coverage for your personal effects over what the RV policy covers. However, if you full time ( no sticks and bricks) then do a quick inventory and estimate the cost to replace your personal items. It is amazing how fast it adds up. Compare your estimate to the coverage you have and see where you stand.


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Old 06-12-2015, 12:22 PM   #12
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We have State Farm, what should I make sure we have covered in our policy?
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Old 06-13-2015, 11:52 AM   #13
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Originally Posted by brandonzinni View Post
We have State Farm, what should I make sure we have covered in our policy?

Do you have a Homeowners policy with State Farm? If so, that will provide coverage for you personal items, over and above the RV policy.


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Old 06-14-2015, 12:02 AM   #14
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No, we don't have a homeowners policy.
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Old 06-14-2015, 12:04 AM   #15
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We live in it full time and travel for work. What kind of policy do I need?
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Old 06-14-2015, 09:35 AM   #16
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We live in it full time and travel for work. What kind of policy do I need?

I'm assuming then your State Farm policy is an auto policy. That policy providers coverage while hooked to your truck. You also need a full timers policy on the RV. That provides coverage while set up in a campground, similar to a homeowner policy. For example the full timers policy provides coverage for your personal effects if there is a loss while unhooked. Shop around. Compare apples to apples. That is get a quote and get other quotes using the same policy limits as the first quote. RV specific companies include Foremost, Progessive, Geico,etc. You can also contact an insurance broker who shops your specifics with various companies to find the best deal. Hope this helps.


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