Friar
Boston area
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Hi all. First off, I've enjoyed reading these forums for many years and only recently joined the conversation. I've got a problem with my insurance company (you know her as "Flo"). The short story is: 3 years ago I was transferred from KY to MA. we decided to try and sell our 2002 Coachman Cross Country via a dealership consignment in KY. After 2 years and no offers, we decided to drive it to MA and use it at a seasonal campground as a summer retreat. Before driving it, we got insurance to be covered as our previous policy had lapsed. Today, we received a non renewal notice from the ins company indicating the Motorhome has an unacceptable body style. At first I thought it was just an excuse to not cover a 10 year old Motorhome. I called them and they told me that because the Motorhome is parked at a campground, with a hard connection to utilities (I used a PVC pipe for the sewer) that this was more like a park model and they could no longer insure it. Moreover, they gave me only a 14 day notice. What am I missing here? Aren't most motorhomes parked for long periods of time? What other questions shouldi be asking? Should I appeal? Will this affect me getting insurance elsewhere? With only a 14 day notice, should I contact the insurance commission? Thanks in advance for you thoughts and comments.
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paulcardoza
Southeastern Massachusetts
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Joined: 01/15/2010
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Is it registered in MA with registration plates on it? That should be the only requirement. Auto insurance is quite convoluted in this state and as a result, many of the larger companies do not do business with MA residents. Not sure about Progressive. We use Plymouth Rock and so far, are very happy with them.
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New Bedford, MA
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mockturtle
WA
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First, welcome to the forum! Since the point of contention seems to be the hard connections, couldn't you just use the sewer hose? We had a park model for several years and it was a lot cheaper than our motorhome insurance so you might be better off insuring it that way.
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dalmationlovers
Port Orchard, WA
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I wouldn't contact the insurance commissioner because that would take far longer to get any result. Call another carrier and find out your questions. Specificly ask about a MH that is park at a seasonal site and what constitutes no longer being a MH.
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thunderstruckhd
Ft.lauderdale and Key West,Florida
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Maybe you are giving your ins. co. TOO much info that THEY do not understand.
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CA Traveler
The Western States
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One obvious solution would be to remove the PVC. What am I missing here?
2009 Holiday Rambler 42 Scepter with ISL 400 Cummins
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Bob
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rockhillmanor
On the Road
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Joined: 12/06/2003
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How did they know? Where you required to send them a picture of it parked? Is that how they found out? 
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so as to have the life that is waiting for us".
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bgum
South Louisiana
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You can't win. Take your business elsewhere!
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thunderstruckhd
Ft.lauderdale and Key West,Florida
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rockhillmanor wrote:How did they know? Where you required to send them a picture of it parked? Is that how they found out?
It's probably what I said, too much info given to the ins. co. that they do not know how to process...
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Friar
Boston area
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Thanks all. So the MH is still registered in KY. The plates expire next month. Maybe that's the issue here. Also, I offered to remove the hard PVC and just use the sewer hose, but the ins company said too late. Finally, when I got insurance with them originally,I had to fill out a lengthy questionnaire which asked many things including how the sewer was connected. At that time I said it was a PVC that connected to the sewer and the hydrolic jacks were deployed. They then asked me if those were permanent to which I said no... Normal operating procedure... Quick disconnect, retract the jacks and away I go. After that, they insured me. But now it's different. I'm not certain if they sent an inspector out. No pictures.
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