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Open Roads Forum  >  Good Sam Insurance

 > What type of RV coverage do I need

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DonGJr

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Posted: 06/07/12 08:02pm Link  |  Print  |  Notify Moderator

What type of RV coverage do I need full timing.
Please spell it out like IM a NEWBIE, because I’ am.
Where going full time this fall and want proper coverage.
Tried to talk to our auto insurance and home. Where selling home.
There not being plain enough to me. Haven’t been able to talk to agent.
So I’M concerned and don’t want to find out later they go DUUUAH.


Say WHAT!

donn0128

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Posted: 06/07/12 08:09pm Link  |  Print  |  Notify Moderator

You want full coverage just like at home. The problem comes when you say RV. Most insurance companies figure you are going to only use it part time, thus the lower insurance cost. As a full timer you need to tell them that you are going to be full time and they should be able to adjust the insurance rates accordingly.


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Wally Walleye

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Posted: 06/07/12 08:37pm Link  |  Print  |  Notify Moderator

Go to an agent that sells progressive, The have full coverage for full timers. They may be a bit more expensive then a dealer that covers RV for the occ user but they do understand fulltimers. Be sure the agent you speak with also understands full timing. We have progressive for our motorhome, boat and ATV we are very pleased with their service and yes we have had claims. They also cover a shed that we have on our seasonal site. They asked us about that didn't know they would cover that but they do. Good luck and welcome to the wonderful world of fulltiming.

lanerd

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Posted: 06/08/12 11:31am Link  |  Print  |  Notify Moderator

Not sure what you mean by "type". Are you referring to Insurance Company, coverage....?

If coverage, you need "full" coverage just like you would your home.

If company, Good Sam offers an excellent rv insurance through GMAC. I've been a customer for several years and during each renewal period, I check other companies and can never find anything less expensive with the same coverage.

Explorer, Progressive, GEICO, and many others will provide good RV insurance.

Hope this helps

Ron

ps.. it's "we're" not where and "they're" not there.

* This post was edited 06/08/12 11:42am by lanerd *


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athenaemerson

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Posted: 06/14/12 05:53am Link  |  Print  |  Notify Moderator

You want full coverage just like at home. The problem comes when you say RV. Most insurance companies figure you are going to only use it part time, thus the lower insurance cost.

athenaemerson

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Posted: 06/27/12 05:02am Link  |  Print  |  Notify Moderator

If you’re going to use your RV full-time you need to make it clear to your insurance company. If you’re 50 or over, check out the AARP RV insurance- and opt for comprehensive coverage. Also, you can add unlimited coverage for just $40 so you’re paid for all your towing bills irrespective of the cost.

psmoore

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Posted: 07/04/12 10:47pm Link  |  Print  |  Notify Moderator

Make sure you get some kind of gap insurance or uninsured/underinsured for PROPERTY. We just had ours totaled by a guy with no insurance and are still responsible, because we didn't have gap insurance which would pay it off if totaled.


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Posted: 07/10/12 10:37am Link  |  Print  |  Notify Moderator

athenaemerson wrote:

If you’re going to use your RV full-time you need to make it clear to your insurance company. If you’re 50 or over, check out the AARP RV insurance- and opt for comprehensive coverage. Also, you can add unlimited coverage for just $40 so you’re paid for all your towing bills irrespective of the cost.


the problem I just had with AARP is that they will not insure only the camper,, they said I have to have at least on of my cars/trucks insured with them to insure the camper


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dinfog908

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Posted: 07/19/12 01:45am Link  |  Print  |  Notify Moderator

You want full coverage just like at home. The problem comes when you say RV. Most insurance companies figure you are going to only use it part time, thus the lower insurance cost.
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DonGJr

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Posted: 08/20/12 01:28pm Link  |  Print  |  Notify Moderator

Thanks for all the replys to my question and sorry about typing faster than I think and missing words up. "we're" not where and "they're" not there. Also type! IM sure all that did confuss some folks, after reading it again it did me.
And me being a writer, darn I love words. LOL
Thanks for the help again. Did I dot my I's and cross my T's I hope.

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