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RV-Dreams.com Home -> RV-Dreams Community Forum -> Ask Howard -> RV Insurance
Post Info TOPIC: RV Insurance
Travelin Duo


RV-Dreams Family Member

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Posts: 173
Date:
RV Insurance
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Howard,
We bought our new coach...a 40 foot DP... 2007 Vectra TD, and we are very excited, but now  we need a little  information on  insurance.
We read your article, and it is so helpful...however we have a  few questions.
We will only use the new Motor Home for  weekends here and there for this year.
Larry will be retiring on May 1, 2008,   and will then begin as Fulltimers.
For now ....we are still  home owners and not sure  how to go about  insurance.
We have our home up for sale this week as things are not selling very fast, and figured  we would  try to sell it and rent a friends home  until we go full timing.  If it does not sell  by Fall we will take it off the market until Spring.
We believe we should have  full replacement insurance  now, but  not fulltimers insurance  until  May of 2008.
Is it  different if we do sell our home soon?
Is this correct?
So many questions...so little time..
It is all over whelming to us  right now.
Not sure  which insurance  company is the right one either.
Which clubs to join etc ???
Any help  from you and  the forum will be greatly apprecaited.
Thank you
Arlene 

__________________
  • Travelin' Duo
  • Arlene & Larry 
  • and our Furry kid...Cian (^..^)
  • 2007  Winnebago Vectra TD 
    Buick Enclave Toad w/ Blue Ox
    Became Fulltimers on December 5, 2008
     
    " Life's A Journey,  Not A Destination "

 

 
ken and cindy


RV-Dreams Family Member

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Posts: 150
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Congrats on the new coach, nice unit.

Although this is not the answer to your question, if you sell your home early why not just move into the coach ? Our home is on the market and Cindy and I are fulltiming it in our old coach .confused

We cleaned out our home completely, kids and goodwill got everything we didnt want to take with us.biggrin



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"HONEY" whats that noise ??? Ken and Cindy---- 08 MONACO CAMELOT 43'
Travelin Duo


RV-Dreams Family Member

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Posts: 173
Date:
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Ken & Cindy
Thank you for the  good wishes.
Much appreciated.
We cannot full time as yet because Larry is  still working until May of 2008, and we  live in New England and it is cold and snowy here  in the winter.
Not many if any campgrounds in our area near  enough  for him to  travel to  work each day....not in the winter.  They are only open  until  Oct 15 in our area.
Wish it was  different, but  hopefully May 1  will be here  soon enough and then we can live in our MH....and be on our way to Fulltiming.
Hopefully the house  will be sold then also before we take off, but cannot worry about that.
If it  doesn't ...it will eventually.
Thanks againaww

__________________
  • Travelin' Duo
  • Arlene & Larry 
  • and our Furry kid...Cian (^..^)
  • 2007  Winnebago Vectra TD 
    Buick Enclave Toad w/ Blue Ox
    Became Fulltimers on December 5, 2008
     
    " Life's A Journey,  Not A Destination "

 

 
Speedhitch


RV-Dreams Family Member

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Posts: 1043
Date:
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Ken and Cindy check out Good Sam. They are a great RV club and they have Insurance answers. We could not do with out our Good Sam Membership. WWW.Goodsam.com

Joe and Sherri

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Joe Sherri and Kris living in a Open Range Lite 308BHS. 2500 Dodge Ram Diesel  http://speedysgreatadventure.blogspot.com/
Howard


Host

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Posts: 1224
Date:
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Hey Arlene,

My first bit of advice on RV Insurance is to call Miller RV Insurance Agency. 1-800-622-6347

Talk to Cheryl or Marlene and tell them Howard sent you.  They write policies for all the major RV insurance companies and they will spend a lot of time on the phone with you to determine exactly what needs you have.

They may not give you the best price you can find, but they have saved many of our readers a lot of money.  But more than anything they will help educate you.  smile

You will not need full-timers coverage at first and you can add it later.  However, you may find the cost to have it for a few extra months is not that bad.

I'll leave the RV clubs question for another time as we don't want to mix topics here.  Perhaps you can start another topic on that question.  biggrin

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emeacham


RV-Dreams Family Member

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Posts: 92
Date:
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Hi Arlene,   Congratulations on the new rig, it sounds awesome!  We are new fulltimers, been in our MH for about 7 months now.  Before we were FT, we had a policy with Progressive.  We got a couple of quotes from different companies when we started fulltiming.  I can tell you from talking to different insurance offices that Miller Agency is tops.  I worked with Marlene, and Howard is absolutely right about the time they take with their customers.  I felt like I was the most important person in Marlene's day every time we talked.  We are very happy with the service and the policies.  Good luck to you, hope to meet you on the road some day.

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Ellie & Jim,  Fulltiming since 12/17/06
2008 Phaeton 40' QSH Diesel Pusher
06 Saturn Ion,
2 Miniature Schnauzer "kids"
http://www.justravelin.blogspot.com/
Travelin Duo


RV-Dreams Family Member

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Posts: 173
Date:
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Hi Howard,

We  just  got in, and saw your reply, and we thank you.
Larry  will be calling  Miller tomorrow, and we gladly will
tell them you sent us. 
Larry said he will also ask them if  there's any advantages to
getting the full timers  insurance  right form the start.
Also putting the toad on now also...and canceling the insurance
we now have on it.
Looking forward to  talking with Cheryl or Marlene, and educating ourselves on RV insurance.
Larry actually printed your article on insurance to put in his file, and made notes pertaining to questions he wants to clear up when he speaks to the Miller agency.
Love this forum, you, Linda & all of the nice  people who have helped and inspired us to take this  plunge, and live our dream....first  living vicariously through all of you, and then by answering all our ....sometimes redundant questions. We first started out asking  about  coaches, toads, and on and on. Now here we are with our  new coach and talking insurance. Before you know it...we'll be one of you guys....hee aww ....another Fulltimer!
Thank you again for all your help.

Arlene & Larry


 



__________________
  • Travelin' Duo
  • Arlene & Larry 
  • and our Furry kid...Cian (^..^)
  • 2007  Winnebago Vectra TD 
    Buick Enclave Toad w/ Blue Ox
    Became Fulltimers on December 5, 2008
     
    " Life's A Journey,  Not A Destination "

 

 
Travelin Duo


RV-Dreams Family Member

Status: Offline
Posts: 173
Date:
Permalink  

Ellie & Jim
Thanks for the nice wishes, and for the  advice on Miller.
This forum has helped  so much on so many of our questions.
That is really understated.
It has been so great to  log on ...ask a question...and have so many nice  people who are doing...  or plan to be doing.... what you yearn to be doing...help you out  and give you advice and suggestions. That's so helpful when starting out and it is all so new to you. We've so appreciated all you nice folks.aww blankstare 
Not that you have to agree with  every answer, but they are all helpful in there own way, and interesting to read the  different points of view.
Thanks again, & we also hope we  meet you someday.
Happy, healthy, and safe  journeys....to you on your new Fulltimers lifestyle.
Arlene & Larry

-- Edited by Travelin Duo at 08:56, 2007-07-16

__________________
  • Travelin' Duo
  • Arlene & Larry 
  • and our Furry kid...Cian (^..^)
  • 2007  Winnebago Vectra TD 
    Buick Enclave Toad w/ Blue Ox
    Became Fulltimers on December 5, 2008
     
    " Life's A Journey,  Not A Destination "

 

 
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