I know up here, personal property is covered under the house insurance.

VanMar wrote:

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www.millerrvinsurance.com

Is this who you went through? If not, give them a try.  We got $10k of contents coverage for $85 per year.  They offer 'scheduled personal effects' coverage but we didn't get it.

Vance

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 Thanks Vance I will ask them about the contents coverage.

Jim

I don’t know how useful this information will be to anyone because I don’t know how many on this forum are retired or former military. I’ve just spoken with USAA about insurance for full-timing and here’s what I learned (this applies to fivers only since USAA will shunt you to Progressive for a motorhome policy).

 

USAA insures fivers used for full-time living. The way it would work for us is this (we already have our auto and homeowner’s when them): 1) we would switch the fiver for the travel trailer on the auto policy when the time comes. This will cover the "vehicle" part of the trailer and any damage or loss to/of the vehicle. 2) Take out a separate renters' policy to cover our personal possessions while living in the fiver (would also cover living expenses in a motel, etc., if something happened to the fiver). The increase in the auto policy (fiver more expensive/larger than travel trailer) plus the renter's policy would still come out less than our current homeowner's policy - and we get to stick with USAA.

 

Rob

We have USAA on the truck and Progressive on the RV with $10,000 contents. It is $225 a year. It is an older model 5er. The Progressive policy is a USAA recommended one so there might be a break there. I did not research much as I thought this sounded reasonable.

The Junkman wrote:

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I tried the one recommended here .American ... and just the trailer was 1800 / year.. living in FL. I thought it was high. Maybe it's not. New Drv MS.. full - everything - full-timing..

Is that High for just the trailer?

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Steve,

Our 38' Mobile Suites with a domicile of Oklahoma is roughly $1600 or so just for the trailer.  We will be moving to Colorado in about a month, so we may see a change in our rates.  Check out the link above to Miller Insurance in Oregon.  They are who we used as a broker and they got us good coverage through National Interstate including full replacement coverage, contents, and even a year of Coach Net membership.

I should also add that getting the full replacement coverage was a lot simpler than what other insurance companies wanted us to do to get it.  All we had to do was provide a copy of our "sales receipt" showing the cost of the trailer.

We have both of our trucks (F450 and F150) and the Mobile Suites through them, although the F150 is on a separate policy.  The F450 and fifth wheel are together.

Terry

I didn't say we used it for trips.  We have lived full time in our Mobile Suites for the last three years and will continue to live in it full time in Colorado when we get there.  In fact, our fifth wheel hasn't traveled much because we've still been working.  We retire at the end of this month and move to Colorado.  Our move there is because Jo's sisters and a niece live in Colorado Springs, Canon City, and Cripple Creek respectively.

Terry

Sorry, I guess I read your last statement with the wrong "comprehension setting."

I'd suggest checking around, but Miller Insurance can pretty much be a broker for about every state in the union.  Just tell whomever you contact that you would only be part timing, not full-timing.  Some insurance companies won't even cover if it is full-time.

Terry

We love the Denver/Aspen area in early spring. Full timer insurance isn't cheap but not as expense as a law suite.

One thing beyond personal property to look at and, of course, that should be expanded beyond one's casual use since there are so many extra things when you full-time is personal liability which you will lose once the house sells unless you pick it up in either separately or with the "true" full-timing policy. I say "true" because sometimes an insurance company will try to piece together what they might term "full-timers" in order to keep your business when it truly isn't and it will be less expensive, maybe a lot less. I am talking about the coverage that covers the dog nipping someone, someone tripping/falling on your RV site, running into someone and knocking them over, etc. Always read your policies and yes, they are boring but you might be surprised. Also, pay attention to changes since many are slowing making little changes that give you less coverage. We always try to go for a big deductible, whatever is reasonable based on what we have saved and feel would be a comfortable amount should we have to shell it out. That does save money so it is worth asking about increasing the deductible. With personal property especially, look at what the limits are and what items require a special addendum or whatever they call it, something that adds it and more costs. Always be suspicious when it sounds too good to be true! Also, I believe that all companies look at your credit score/rating in determining rates so mine might be different than yours for the same coverage.

Bill and Jodee wrote:

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When you go to American through this site they know what questions to ask (or at least they were very thorough with us). For a new 35' DP domiciled in CA we were quoted $16K - 22K which is well below the others I got - and some of those just didn't "get" full-time :)

Our rep covered personal belongings with us and we will definitely be getting it in our policy!

Jodee

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 Is that $16-22K your premiums for the RV in California?  We've been insured in both Oklahoma and Colorado over the last 3 1/2 years, and even with full replacement coverage and all, our premiums have been under $4500 for the F150 on one policy and the F450 and Mobile Suites on another.

We went through Miller Insurance and ended up with National Interstate.

Terry

jcordar2 wrote:

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We plan to buy a "gently used, newer" DRV and a good sized used truck to pull it.  Probably spending around 130-140 thousand for both.  As I try to work on a FT RV budget, I find I am really just guessing at some expenses.  We plan our residency to be in Florida or Texas.  Is 2000./yr for FT insurance w/replacement in the "ball park" or do I need to budget more?  Thanks!

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 You best call for a quote..... Mine is 2k with 2 vehicles and a new rv.. full timer/full replacement first 5 years w/ comp and collision on everything 100/300 liability..

 

The guys above are paying 4500 and up? I don't understand why.. 

 

Alot can effect the price..The state you live in.. dwi, accidents, claims.your credit report..etc.. Call national interstate for a quote.

-- Edited by The Junkman on Sunday 28th of September 2014 10:45:42 AM

That's what I'm hoping Terry, right now everything is sort of "a guess."  As I work on a budget I am anticipating spending more $$ for the truck and RV but hoping that when the time actually arrives to buy, it will be less!       I am going to budget 2200.00 for insurance and hope that I'm in the ball park!  

Do people find that "in general" insurance costs are lower in Florida or Texas?  We can't do SD as we need better health insurance options and we certainly can't stay in NY!  Thanks in advance for any guidance or suggestions!

-- Edited by jcordar2 on Tuesday 30th of September 2014 07:54:00 AM