We have been fulltiming for almost 5 years (no house) and have had our tow car (Jeep) insured with Progressive all that time. On our recent renewal, our rate went up almost 20% (thankfully, no accidents or claims...just an increase in rates).
In the process of seeking other quotes, we are running into an issue we wonder if any of you fulltimers have experienced. Many insurance underwriters state they won't write coverage because we are out of our home state. Almost all applications ask 'where is the vehicle kept?'. Well, it's kept either behind the MH when we're towing or parked near it when we're in an RV park.....the field for the response to this question is intended for a zip code.
Any recommendations on insurance underwriters who understand the fulltime lifestyle. I suppose we could just input the zip code for where we get our mail but we want to be legal and certain we have valid insurance in the event we should ever need it.
Thank you all for your ideas.
Luvglass said
06:08 PM Mar 19, 2009
We've had our trailer and truck registered in Wisconsin since we came out 3 years ago. They are both insured by National Interstate. They know we are only there for visits occasionally.
Also, would you believe, I have had 2 accidents with the truck and one with the trailer, and they still haven't raised our rates???? I don't believe it either, but it's true.
You must have an address and zip code where your MH & toad are registered, just use them.
Good luck,
TrailsEnd said
06:12 PM Mar 19, 2009
We had Progressive over 10 years ago on our TT, no problems but no claims. We were not full timing though. We later went with GMAC through Good Sam, had one major claim on the TT with no problems. When we went full time we went with Miller Insurance. Miller’s appears to cater to the RV world and full timers. This is the same broker Howard and Linda use I believe. Our main concern was exactly yours. We use my brother-in-law’s address as our domicile and have a PMB in California since we still are working while living in a RV Park. Give Millers a call they may be your answer. You can find the info and link on RV-Dreams site.
In the process of seeking other quotes, we are running into an issue we wonder if any of you fulltimers have experienced. Many insurance underwriters state they won't write coverage because we are out of our home state. Almost all applications ask 'where is the vehicle kept?'. Well, it's kept either behind the MH when we're towing or parked near it when we're in an RV park.....the field for the response to this question is intended for a zip code.
Any recommendations on insurance underwriters who understand the fulltime lifestyle. I suppose we could just input the zip code for where we get our mail but we want to be legal and certain we have valid insurance in the event we should ever need it.
Thank you all for your ideas.
We had Progressive over 10 years ago on our TT, no problems but no claims. We were not full timing though. We later went with GMAC through Good Sam, had one major claim on the TT with no problems. When we went full time we went with Miller Insurance. Miller’s appears to cater to the RV world and full timers. This is the same broker Howard and Linda use I believe. Our main concern was exactly yours. We use my brother-in-law’s address as our domicile and have a PMB in California since we still are working while living in a RV Park. Give Millers a call they may be your answer. You can find the info and link on RV-Dreams site.
Joe & Nikki Wright
2007 Mandalay Presidio 39E
2006 Jeep Wrangler
SKP #91530
FMCA #384390