Insurance advice

[Lauranay16]

I just bought a 1996 Roadtreck and I am looking at insurance options. I will be living in my van for 5 months so I am pretty sure I need full timer coverage. Does anyone care to share who they use and the experiences they have had? I have 3 quotes I am waiting to hear back on but would appreciate any additional feedback.

Thanks!

[SteveJ]

I have Progressive through an agent that I've worked with since I transferred to FLA twelve years ago. I've had excellent service from them on a comprehensive claim for my motorcycle, check in hand in less than 48 hours. (I hit a raccoon and damaged some fairing plastic).

I've since switched car and '00 RT to them.

Rates don't matter as all states have different rules and claim rates.

I also had excellent service and competitive rates for over 30 years from State Farm while living in Minnesnowta from an agent that I knew before he got into the business.

HTH and have fun.

[JohnnyFry]

Be very careful in how the insurance companies your class B. The VIN will simply list it as a generic van which, of course, would have a very low value. Some companies will treat it this way so it is crucial that you explicitly state the value and insist, in writing, a statement of how they will treat the value for collision and comprehensive coverage. Also be careful of these of possessions coverage as most companies cover this through homeowners policies and not through the vehicle policy. This is very important if you are full timing and have no physical abode.

[Porsche911]

I have my policy with Progressive
Make sure you insure for actual value of the RV (you will need your BILL of Sale) and not the VIN of the vehicle as the values differ by quite a large ammount

[mumkin]

Two important questions:

Do you own a home?

Do you own a car?

To be a full-timer, you can't own a home. If you have a home with insurance, you are not eligible for full timer RV insurance. Not sure about home/apt rentals...

If you are not eligible as a full-timer, you must also own an insured car. If you do not own a car, there are very few insurers that will accept you.

I got caught in this dead zone. I own a home, but my Roadtrek 170 is my only vehicle. I tried a bunch of companies, a local insurance agent tried to find a company... no luck. (one accepted me, I paid, and then I got the policy and it was only for the Chevy van... no conversion) I finally called FMCA and they only knew of one. (and he tried to find others, but could not)

So my plan is with National General... the premium costs more than I was previously paying for a 2008 top of the line Sienna van and a 2011 Libero.

[Lauranay16]

Thanks this feedback is helpful. I am leaning toward Progressive and gives me somethings to consider.