Motorhome Magazine Open Roads Forum: Full-time RVing: Do I need "full time" insurance?
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Open Roads Forum  >  Full-time RVing

 > Do I need "full time" insurance?

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Robert McNabb

Sunny San Diego

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Posted: 10/09/08 08:34pm Link  |  Quote  |  Print  |  Notify Moderator

trkrhelp wrote:

Bumpyroad wrote:

It's still your house, you are on extended travel. don't ask, don't tell. you can have somebody house sit while you are gone.
bumpy


Don't ask + Don't tell = Don't collect JMHO But then I'm the type who realizes in the parking lot that I got to much change and walks back into the store to give it back to the cashier


"Ye of little faith" should be the admonition here. What many don't realize is that the an insurer is already braced for the contest with the folks who figured that they'd be better off keeping the insurer in the dark on matters that did matter. If it's a pivotal matter, then you must tell the insurer and not hide facts. I'll not press this any further, but would love to tell some of the "back room" stories that involved insurance clients who weren't "forthcoming".


Bob & Annie in sunny San Diego

DianneOK

Donnelly, ID

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Posted: 10/10/08 08:49am Link  |  Quote  |  Print  |  Notify Moderator

Robert...I agree with you. We have always believed it is best to be upfront. We can live with ourselves that way!


Dianne
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elh0146

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Posted: 10/10/08 03:29pm Link  |  Quote  |  Print  |  Notify Moderator

TomW2 wrote:

Do I need to get "full time" insurance from Progressive or somebody? For that matter, do I need to notify Progressive that I'm now living in it full time for my current "auto" insurance on it?

Most insurance companies consider you a fulltimer for insurance purposes if you live in your RV at least 5 months each year...even if you own a home and have homeowners insurance.

I agree with those who recommend you call Progressive, tell them your situation, and ask them. There's no use asking us because all we can do is give you some educated guesses...Progressive's answer is going to be the overriding one.

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