Full Timer Insurance for Older RV's.....

[Robert Wesner]

Okay, we're full-timers in a '79 Winnebago and almost NO ONE offers personal property / homeowners insurance for it.

Best we found was through Good Sam but only one out of their 5 companies will even insure such an old rig.

NOTE - THIS IS NOT FOR VEHICLE INSURANCE - this is for all of our personal stuff  - IN the rig.  Usually considered "renters insurance".

We already have business insurance and liability on the rig and trailer and business property.

Does anyone have any luck with property insurance in their RV's?

[Tim Constas]

If you own a travel trailer, fifth wheel or pop up chances are it not covered by your home owners insurance when it is parked in your driveway unless you purchased a rider for it. My son in law learned this the hard way.

I have not checked this out because I have policies on  my travel trailer and fifth wheel, it may not have any insurance for damage or liabilities when unhooked at a campground. I have policies on both my fifth wheels, for damage or liabilities when unhooked.

[FrannyLee]

Wawanesa Insurance is only available in Oregon and California but they fully insured my 75 REVCON as long as i do not "live" in it.

[Melissa Daunt]

Do you need insurance for a 17 foot 1971 rambler trailer?

[Russ Johnson]

We went with National General through Good Sam. Now that we have a home I need to look into the policy to see if it will cover the contents of the motorhome and it there is liability for if something happens like someone falling and getting hurt or if our MH catches fire and burns down another RV or 2 next to us. It it does, then I will be dropping National General and going with AAA and insure the MH and the other vehicles as just that, a vehicle.

One thing I will say for National General when the renewal came up this last time, they reduced our rates. Something unheard of in the insurance field.

[Frank Niprikas]

I have Geico on the cars, when I bought the C Class I called them and was pleasantly surprised.  For full coverage (For what that's really worth) it added about 150.00 per year to the bill.  This includes all kinds of special stuff like BBQing in a park while RVing and an ember flies over and burns down some other guys Prevost or worse.   Their question to me was I going to be RVing for more or less than 30 day a year.  For me, it's less because all the rest of the year I'm buried in the restoration of this little jewel.  You can't get an RV quote online, you have to call, but it was a TON less than the ever-crazy charge-what-they-can Good Sam bunch.

[Swaycool]

I have progressive and for the passed 3 years they have gone up about 50 to 60 $ for the year normally you think it would go down so i'm a little confused. I called them and they told me that it should not have gone up but they have not corrected any thing as of yet so i think it's time to move to a new insurance comp any one know of one?   

[Marguerite]

I have had rental insurance and when I went to full time trailer living it transferredto my contents. I think it is through Safeco. It also covers my storage unit. I would find a good broker to find it for you.

[Dale and Lynne Park]

Just answered a survey about this on Tin Can Tourists a week or so ago.  It seems that Hagerty - they insure classic cars and such - are considering offering full coverage insurance to folks with vintage RVs.  They are gathering information via the surveys.  It would certainly involve an inspection and pre-arranged "value" of your rig and they also mentioned covering personal belongings.  We used to have some classic cars insured with them and they seem quite reputable.  We would certainly be interested, I will try to keep up with the situation.

[Lakota Wolf]

Federal law standarizes an RV as just that,  recreational purpose. Allstate insures for occupency for up to six months at a time, covering the rig and its contents. But under a federal law, which some states abide to while others don't, an RV is Not a permenant residence, (plus its concidered MOBILE and not fixed.).

Insurance compaines call RV's high risk, due to the fact they are Mobile, and are not built to same specs as a home or apartment. They are also high risk due to smaller living area and very little time given to exit if a fire erupts. I use a home address for my RV insurance including insurance on extra possesions (which can include a storage unit rental).

[Pat Daly]

this is a very interesting topic. Members, what's your experience here?