RV Insurance - Fulltimer or leisure use? - RV-Dreams Community Forum

The Junkman · RV-Dreams Family Member

RV Insurance - Fulltimer or leisure use?

Terry and Jo · RV-Dreams Family Member

I can't necessarily answer your question as to "how they would know," but would one be prepared to commit fraud by not declaring full-time usage? If it came to a situation that an adjuster was inspecting an RV, he might be able to determine that the owner(s) would indeed be a full-time user(s), even if one had a "physical address" somewhere. That adjuster could then deny compensation because of the full-timing status.

Now, I'm not an expert on the matter of adjuster's practices or the actions of insurance companies, so I'm just guessing that the insurance companies would look for any "excuse" for not paying a claim.

Terry

Barbaraok · RV-Dreams Family Member

The case is how you structure your home owners insurance and your insurance on your vehicle. That is what insurance agents are for - to work through the problem and develop the best answer for you. Start with whom ever carries your homeowners insurance and see what they have to say.

Barb

Technomadia · RV-Dreams Family Member

The biggest advantage of a 'full timers' policy is the additional coverage for your contents and liability for accidents that might happen on your property (ie. a visitor breaks their leg falling down your steps). And in some policies, for emergency lodging while your home is in the shop for covered incidences.

This is coverage that would typically be covered by your homeowners or renters insurance plan.

A full timers RV insurance policy is more like a combined general RV policy with renters/owners insurance.. and is geared for those who no longer qualify for homeowners or renter's insurance, because they don't reside at a fixed address to take such a policy out on.

Barbaraok · RV-Dreams Family Member

The Junkman wrote:
Barbaraok wrote:
The case is how you structure your home owners insurance and your insurance on your vehicle. That is what insurance agents are for - to work through the problem and develop the best answer for you. Start with whom ever carries your homeowners insurance and see what they have to say.

Barb
And if you rent?

Contact the agent where you got your renter's insurance. Even with renter's insurance you need the liability protection for someone visiting your home. If they fall on your stairs, yes they can sue you and probably win - - because they can (and very often do) content that there was something wrong with the stairs - loose board, loose carpeting, loose handrail, no handrail, light from a window in your eye, etc. Happens all of the time.

Barb

-- Edited by Barbaraok on Monday 7th of July 2014 08:23:39 AM

TRAILERKING · RV-Dreams Family Member

The Junkman wrote:

I will not put any liaibilty on any of my stuff, if I can. I will however have full replacement value on the Truck and RV. As that approaches 200k and is a ton of money to me.

I imagine that's what you'd be losing when someone decides to sue you........................

Talensnana · RV-Dreams Family Member

I understand not wanting to insure your stuff, but as someone who has witnessed people losing their stuff with and without insurance, it is good to have some. You might not think you have much, or that nice of stuff but if you have to replace everything (clothes, medications, kitchen stuff, personal stuff, tools, etc.) it adds up faster than you think. Atleast a little amount $5-10,000 will be a big help.