Insurance - RV-Dreams Community Forum

Doncat · RV-Dreams Family Member

Insurance

Readytogo · RV-Dreams Family Member

Liability insurance is to cover damage to the other party due to your negligence. Normally you don't have liability insurance on your RV unless it is a motorhome. I am not too sure if it is different if you are fulltiming. Your RV is covered under the liability of your tow vehicle when it is in tow. You need collision coverage and comprehensive coverage to cover damage to your RV. There is additional coverages but those are the main. There is additional coverages for contents and loss of use but those are the coverage for the RV itself.

Doncat · RV-Dreams Family Member

Thanks, Dale & Bev. Do you mind me asking, how do you insure your rv? Do you use a "regular" company or a specialty insurer?

Luvglass · RV-Dreams Family Member

Hi,
We found that regular insurers do not undrstand RV's and especially if you're fulltiming.
The people that specialize often advertise in the RV magazines.
We use National Interstate, which we got through RV Insurance Proffessionals 1-877-784-6787
Good louck,
Fred

Readytogo · RV-Dreams Family Member

We are not insured with one of the specialty companies. We are insured with the company I (Bev) work for. I am sure the coverage is much different. The contents in my RV will be covered under my homeowners coverage. I have also read that some companies pay replacement cost on the RV for the first 3-5 years. When fulltiming the coverage you need is much different than someone that is just using it 30 days a year. We do not have coverage for loss of use. I actually have not looked into the coverage from the specialty carriers. We are going to the PA RV Show in a couple of weeks. I know some of the carriers will be there. Maybe I will check into it.

Howard · Host

Almost every state has a "Farm Bureau" insurance company. We have had great experience with the Farm Bureau companies in Kentucky and Indiana for our regular vehicle insurance. However, in getting quotes for our RV for comparison purposes they were going to have to broker the coverage from other companies.

My recommendation is to call Miller RV Insurance Agency. They know RVs, RVers, and RV insurance and they are the nicest people in the world to deal with. They are thorough in their phone interviews and will help you along the way. They can insure the RV and all other vehicles and have found several of our readers better coverage at great prices.

http://www.millerrvinsurance.com/

Even if you don't insure through Miller, at least get their opinion. As usual, tell them Howard sent you!

P.S. We get no compensation for the recommendation. We just love them!

Doncat · RV-Dreams Family Member

Thanks for the information on Farm Bureau companies. They gave me a quote on insurance for my regular vehicles that was cheaper than GEICO, however I hesitate because I would get the same caliber of service.

Thanks for the link to Miller Ins. I will check them out.

Scott Gad · RV-Dreams Community Member

A couple of words of warning on insurance--based on experience. I was hauling home from the LOW conference in Idaho, towing my Chevy truck behind my Travel Supreme MH, when the brakes on all 4 wheels of the truck suffered a meltdown. This cost me several days stuck in Butte, Montana and moocho dinaro. My MH was covered by National Interstate and my truck by GEICO. BIG MISTAKE! GEICO did everything they could think of to avoid paying the claim, starting with the assertion that my RV insure should cover it since the truck was being 'towed' by my RV. To avoid this finger-pointing-game I would suggest (if possible) that you get both vehicles insured BY THE SAME COMPANY. Finally, after fending off a couple of other attempts by GEICO to avoid paying the claim, they tried to disallow it because I was using a supplemental braking system (AS REQUIRED BY LAW), a 'Brake Pro', and they (GEICO) had not 'approved/authorized' this third party device. So apparently you are left with a chioce: either to obey the law and tow you vehicle safely but risk voiding your auto insurance or brake the law and tow your car/truck in an unsafe manner but satisfy your insurer (yeah like this would work!). In short, be sure that your towed vehicle is being covered by your insurer WHILE IT IS BEING TOWED!