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03-20-2017, 11:14 PM
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#1
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Senior Member
Join Date: Mar 2015
Location: Canada
Posts: 604
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Full time and contents insurance
So we are full timers .. rented our condo and took off..and we run into problems with insurance... we don't have a permanent address now ( we rented out our condo) so, the renter has insurance on the condo. So we used our sons address and tried to get contents insurance but it's a no go...
So what does everyone do when they sell their home and go full time .. everything we own is in this motorhome... we can't just "not have insurance
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03-21-2017, 12:11 AM
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#2
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Site Team
Join Date: Jan 2007
Location: Goodyear, Arizona
Posts: 33,835
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As far as I know, most fulltimers get their RV loan and insurance BEFORE they sell their home because of issues with banks and insurance companies.
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Dan-Retired California Firefighter/EMT
Shawn-Musician/Entrepreneur/Wine Expert
and Zoe the Wonder Dog(R.I.P.) 
2016 PrimeTime TracerAIR 255, pushing a 2014 Ford F150 SCREW XTR 4x4 3.5 Ecoboost w/Max Tow Package
4pt Equal-i-zer WDH and 1828lbs of payload capacity
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03-21-2017, 03:20 AM
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#3
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Phat Phrog Stunt Team
Join Date: Dec 2011
Location: Burton, MI.
Posts: 4,522
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Quote:
Originally Posted by colourful64
So we are full timers .. rented our condo and took off..and we run into problems with insurance... we don't have a permanent address now ( we rented out our condo) so, the renter has insurance on the condo. So we used our sons address and tried to get contents insurance but it's a no go...
So what does everyone do when they sell their home and go full time .. everything we own is in this motorhome... we can't just "not have insurance
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Change residence to South Dakota
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Scott & Vicki
2018 Silverado 3500HD Dually 6.6L Duramax/Allison
2018 Columbus 366RL 1492 Edition
Camped 2012 19, 2013 110, 2014 129, 2015 97
2016 93, 2017 79, 2018 84, 2019 59, 2020 0,
2021 4 reserved 
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03-23-2017, 01:04 AM
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#4
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Always Learning
Join Date: Nov 2011
Location: Four Corners, FL
Posts: 21,891
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Contact www.millervinsurance.com. They're a broker and deal regularly with fulltimers.
Them or www.rvinsurancepro.com. Both were fantastic to deal with.
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Officially a SOB with a 2022 Jayco Precept 36C
Checkout my site for RVing tips, tricks, and info | Was a Fulltime Family for 5 years, now we're part-timing on long trips
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03-23-2017, 12:37 PM
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#5
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Junior Member
Join Date: May 2015
Location: Full Time - Lakekand, FL address
Posts: 7
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RV insurancr
Just switched to Good Sam's insurance. They do full timers
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03-23-2017, 12:39 PM
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#6
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Junior Member
Join Date: Mar 2012
Posts: 16
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We have been full timing since 2005. Good Sam's insurance lets you insure your contents for whatever value you choose
Kelly
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03-23-2017, 12:55 PM
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#7
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Always Learning
Join Date: Nov 2011
Location: Four Corners, FL
Posts: 21,891
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Quote:
Originally Posted by bikendan
As far as I know, most fulltimers get their RV loan and insurance BEFORE they sell their home because of issues with banks and insurance companies.
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Not for insurance. Fulltimers absolutely need a fulltimer policy and to be up front with their insurance agent as to their real situation.
In the last 2-3 months, I've read of multiple disaster situations where the fulltimer came to find out they weren't covered like they expected because none had a proper fulltimer policy.
What you said is often true for banks and RV loans. Bank don't want to lend to someone who is hard to find.
__________________
Officially a SOB with a 2022 Jayco Precept 36C
Checkout my site for RVing tips, tricks, and info | Was a Fulltime Family for 5 years, now we're part-timing on long trips
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03-24-2017, 09:31 AM
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#8
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Senior Member
Join Date: Jul 2013
Location: Franklin, TN
Posts: 746
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I use Good Sams even though I do not full time. I know from talking to others they will take a PO box and I believe they take alternate where you do get mail. Most of my my dealings with them has been electronic and emails. We had our tv and tt total last June. The Roadside assistance paid $150 a day in hotel and rental van for the three days we needed it to salvage as much as possible and then drive 500 miles to get home. They were very fast on contents check and check for cost of damaged tt. Replacement vehicle was quick, they had agent in wrecker yard in two days. Bottom line totaled accident of 2012 Flagstaff on 6/6, on the road with 2017 Flagstaff 6/27 to next cg. Total cost was deductible and check for contents. The extra cost for Good Sams (they are abit higher) was well worth it in our case.
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2020 Georgetown 31L, Safe T steering, Sumo springs, Onan Geny
2015 GMC Canyon 4X4 TOAD w/Blue Ox tow plates, InvisiBrake
Pepper 🌶 PomChi rescue 545 nights as our camping buddy
Days camped in FR 2011-12 = 77, 13-14 = 98, 15-16 = 129
17 = 81, 18 = 44, 19 = 83, 20= 45, 21 = 76, 22 = 57, 23 = 42
Retired : 
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03-25-2017, 09:58 PM
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#9
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Senior Member
Join Date: Apr 2014
Posts: 281
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Quote:
Originally Posted by SYE
Change residence to South Dakota
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Yep, change domicile to SD, TX or FL.
Me? SD Americas Mailbox
Brandi
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03-26-2017, 10:19 PM
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#10
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Junior Member
Join Date: Jan 2016
Location: Tyler, TX
Posts: 20
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Full time and contents insurance
Our permanent address is at the local UPS store, which gives us a street address; has worked well.
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