TomW2
Southwest Washington State USA
Senior Member
Joined: 05/23/2005
View Profile
|
According to the DW we started full timing when we started the current outing on 9/27. We are prepping the house for occupation by her son & his wife in early Nov. (I thought we had until next spring but his situation was getting untenable so they are coming earlier than first announced.) The DW says there is no use figuring on going back in the house to "live" when we head back on 10/18 for the 2-3 weeks before they get here.
I'll still own the property and have homeowners insurance (though I may convince them to reimburse me somewhat). 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?
|
okgc
southern Michigan
Senior Member
Joined: 09/25/2006
View Profile
 Offline
|
I suggest you have a conversation with YOUR insurance agent very soon while you still have a home to go back to. Different companies have different policies so get it in writing.
Fleetwood Bounder 34J Chevy powered
Chevy HHR toad
Silverado 2500 4x4
Sundowner horse trailer
My hobby cars
1965 Chevy Impala SS 396
1964 Chevy Nova SS
|
BarbaraOK
Livingston, Texas, USA
Senior Member
Joined: 10/27/2003
View Profile
Offline
|
You're on extended travel - since the house is still in your name, your son will be staying there while you are gone. Keep the insurance in place and see if you don't get a discount from having home/car/rv under one company. You don't need fulltimers insurance since you have homeowners - but you should check to make sure of everything that is covered and what isn't covered. You probably should also look at getting an umbrella policy to cover any gaps.
Barb
Barb & Dave - full-timing
Traveling catpanions Kit (age 18) and Shadow (age 11)
Figment II (2002 Alpine 36 MDDS) 
Mischief (2004 Subaru Forester Toad) 
FMCA - F337834, SKP #90761
http://homepage.mac.com/barbaraok/
Our blog
|
Bumpyroad
Virginia
Senior Member
Joined: 12/01/2005
View Profile
 Online
|
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
|
Denny & Jami
Home Base Nebraska
Senior Member
Joined: 08/05/2004
View Profile
Offline
|
We still have a house that we do not rent out but have home owners insurance on it just like we did when we lived in it. So we use that to extend to our RV for any liability coverage we may need, we also have everything with one company.
Denny
2000 F350 SC DRW V10 4.30 gears, Banks Cat Back, BrakeSmart, Air Lifts
2003 HitchHiker Premier 35FKTG
|
|
|
Gunship Guy
Florida
Senior Member
Joined: 08/09/2003
View Profile
|
Please don't follow the advice of people telling you to hide things from your insurance company.
If something happens you better believe the insurance company will look for an "out". If they suspect you misled them you will be in for an unpleasant fight.
Paying higher premiums certainly sucks. Worse than that is trying to get a check from your insurance company when they start dragging their suspicious feet. Time is on their side and they have the resources to wait you out.
This info is from a relative who works for a major insurer. He said they love collecting premiums from people who lie to them. It gives the Company a reason to deny claims.
Don't give them a reason to doubt you.
Volvo 770
Mobile Suites 38RL3
PICS OF STUFF
|
Robert McNabb
Sunny San Diego
Senior Member
Joined: 06/25/2003
View Profile
Offline
|
Gunship Guy wrote:Please don't follow the advice of people telling you to hide things from your insurance company.
If something happens you better believe the insurance company will look for an "out". If they suspect you misled them you will be in for an unpleasant fight.
Paying higher premiums certainly sucks. Worse than that is trying to get a check from your insurance company when they start dragging their suspicious feet. Time is on their side and they have the resources to wait you out.
This info is from a relative who works for a major insurer. He said they love collecting premiums from people who lie to them. It gives the Company a reason to deny claims.
Don't give them a reason to doubt you.
From a guy who just retired after 55 years in casualty insurance...the above is an excellently worded piece and you should take it to heart. Concealment is so easy to "figure" when a large loss happens....and the home is obviously not occupied by the owner. "Concealment" can be tantamount to fraud. Try that with an insurer and find out how stupid they are.....and you would then expect them to be generous in their settlement?
This should be discussed with the broker, who would then write a policy to cover the dwelling and liability (as a tenant occupied dwelling) and hopefully endorse the coverage to provide liability extended for your RV travel. You may find that he/she's unable to cover your personal property in the RV and it may be necessary for you to go to a FullTimer specific policy.
So far as the relative who lives there, it's up to them to provide for their own coverage, including their personal property.
Bob & Annie in sunny San Diego
|
firedude
On the road
Moderator
Joined: 01/21/2003
View Profile
|
I have a one word answer to your question............... YES!
|
WTTCS
freedom , U.S.A.
Senior Member
Joined: 07/28/2003
View Profile
|
Well my answer would depend on whether you like black or red on the roulette table, cause thats what you are doing.
1997 chev crew cab 454, 5 sp. 4.10
2000 Fleetwood Caribou 11.5
|
BarbaraOK
Livingston, Texas, USA
Senior Member
Joined: 10/27/2003
View Profile
Offline
|
I never said that he was to lie - but he is still a homeowner and does not have a tenant staying there, but part of his family and they are still going back to the house to stay for periods of time. How is he not a homeowner. And I never suggested lying but discussing with the agent to see if having all of the difference policies with one company will result in getting some discounts. Now if the son starts paying rent, then we have a different situation.
Barb
|
|
|
