My husband and I are about to move out of our house in Dallas (sold it!) and into our RV. We will be building in Ohio close to family. Between Aug 2008 and whenever our house is done (let's say a year) we will be storing everything we cannot get in the RV. State Farm has said they will not ensure it unless we have a residence, either rent or own. How do any of you manage to get insurance for what you have in storage? thanks for your help!
Most commercial storage facilities offer insurance, but read the policy very, very carefully, as the pokicy may actually be meaningless. My experience was that the stoage facility's insurance was, in fact, not very comprehensive, and no other carrier would cover my belongings. I just risked not having insurance, and thankfully, did not need it.
My Progressive full-timers policy covered my stuff in storage. Part of the policy.
What is Full-timers Insurance? Do you need it?
Full-timers insurance is basically the same as Home Owners Ins. Covers fire, theft, personal liability, CONTENTS and other things. Below is an example of my full-timers policy with Progressive that I pay $55 per month (for 10 months) for.....
*Provides Collision and Comp ($100 deductible)
*Contents Insured for $10K (you determine this amount) ($250 deductible)
*Emergency Roadside Service
*Fire and Theft.
*Full Replacement Cost of the RV with current years model for the first 5 years and after they pay me the full purchase price I paid for trailer, NOT book value.
*Trip Interruption Coverage That pays up to $750 a day for motels, rental car, food etc if it was the result of an accident or damage covered under policy. Does not cover warranty work.
*Coverage of my items in Storage.
*** Personal Liability 500K in case some fool hit his head on your slide or your errant golf-ball struck someone etc... A MUST in my book!
With the insurance extending from your tow vehicle or a normal auto policy you just have very very basic/minimal coverage. Most auto policies that extend to your trailer for example have limits on the contents and usually around $250!. If my RV was destroyed heaven forbid my laptop alone is $2K! Then you have tv, stereo, clothes, and on and on. Your auto insurance would not cover that stuff. You'd be out of luck AND contents.
Like I said full-timers insurance is basically homeowners insurance. Your RV is your home! Protect yourself and your home! I almost made the same mistake until I realized with my auto policy it covered the very minimum! Call your auto insurance agent and he'll tell you, or should. Most DO NOT provide full-timers insurance! Visit my website below were you will find links to full-timer insurance companies and you can even get online quotes! Protect yourself and your assets!
* This post was
edited 07/08/08 05:11pm by firedude *
easy build the garage at the new house large 2 bay metal one so you can get the rv in when needed then you just put the stuff there its your residence tecnially
We got renters insurance from our insurance company (USAA). It covered the stuff we had in storage and stuff we carried with us. It was only about $17/month for everything ($10,000) coverage.
My full timers policy would cover storage items but the amount they would cover was pretty low.
We rent a small space in my daughter's house in NH and use that address for a renters policy that covers our stuff in commercial storage (also in NH).
Clay (WA5NMR), Lee,(Wife) Codi, Brandi (Shelties) and Damncat (damn cat)
Full Timing in a 2004 Winnebago Sightseer 35N, Workhorse chassis, Honda Accord toad
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