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Post Info TOPIC: Fulltimer RV Insurance

RV-Dreams Family Member

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Posts: 87
Fulltimer RV Insurance

Good morning All,

Well it's that time of year for many of us. Time to renew our insurance. A quick search of Full Time RV Insurance tells me it has been almost two years since there was an update on this topic so I am throwing it out there. Who are you currently using? Are you happy with them? How long have you been with them? Are you buying directly from the insurer or an agency? Have you had the unfortunate need to use them and was the service good?

Thanks to All!




Mike + Anne
Partners in Fun!


If Your Dreams Don't Scare You...They're  Not BIG Enough!!!!

2012 New Horizons F35RLTSS
2014 F450 Hauler Bed


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Posts: 1172

We've been using Progressive since we started in 2005 and they've treated us very well. They paid our large claim last year when we had a broken frame on our fifth wheel. And since we had a disappearing deductible that was zero at the time, we had no out-of-pocket on the repair. The service was excellent.

When we purchased the motorhome, we again went with Progressive through Miller RV Insurance in Oregon. 

If changing companies or purchasing that first RV policy, I would highly recommend going through an agent that specializes in RV insurance. Because it's not something that insurance company employees and non-RV agents deal with every day, they don't always ask the questions they should and they don't always have access to special programs available for RVers. And RV specialists will understand the needs and quirks associated with full-timers.

Once you have a policy in place, then you can easily renew directly with the company if you wish.


RV-Dreams Family Member

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Posts: 2026

Mike, except for recommending Miller I don't want to repeat everything Howard said.  But to emphasis one point - Not all insurance agents have access to all products (policies) available from any given underwriter.  We found this out first hand when we found a much - significantly less expensive - policy from Progressive via Miller which offered us better coverage then we could get from Progressive via our local agent. 

Our local agent said he had access to any particular policy of interest to RVers.  He didn't have said access.  Never heard of what we were talking about.  We ended up paying far less even with our more expensive MDT truck and trailer then we did with a Class III "pickup."  Naturally some of this depends on your state of residence.  Just a comment should be helpful.


Bill & Linda
2014 New Horizons Majestic F37RLTSS 96

2016 RAM 5500HD \ 4-Wheel Drive \ Link Air Ride
Classy Chassis RV Hauler Bed Conversion \ Aux Fuel Tank 

RV-Dreams Family Member

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Posts: 111

Just to dove tail on Bill’s comment on state of residence, presently we are insured in Oklahoma but when I told Miller that I would be moving my residency to South Dakota, I was told I would see a substantial decrease in premiums.

-- Edited by Rickl on Tuesday 27th of November 2018 02:25:49 PM


2018 Landmark Oshkosh 

2015 Ram 3500 6.7L DRW

RV-Dreams Family Member

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Posts: 5230

Simply, another one here to recommend Miller Insurance in Oregon as a broker.

Miller Insurance Company



Terry and Jo

2010 Mobile Suites 38TKSB3
2008 Ford F450
2017 Ford Expedition EL as Tag-along or Scout

Our photos on Smugmug

RV-Dreams Family Member

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Posts: 63

We too are pleased w Miller agency.


Bill and Laurie

2002 Airstream Land Yacht 39ft DP

2016 VW Jetta, toad

FT since 9-17-17

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