Sooner Schooner
Oklahoma Sooner, but all over USA
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Joined: 05/07/2007
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How does the insurance company know if you are "on vacation" or an "extended vacation" if something would happen? Would they even think of asking that question if you got involved in something? Now,if your rig is parked there with a patio attached to it and a picket fence around it, you may have problems convincing them you are not "living" there if they asked. These are things that some insurance agents have told me, and they would have appreciated it if we were to spend more money with them.
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firedude
On the road
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Joined: 01/21/2003
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You know I guess my 33 year career as a firefighter made me more aware of what the lack of proper insurance coverage can do to a person. I saw it time after time and always heard the same thing, Why didn't I have insurance"? I've seen the losses hundreds if not thousands of times. No way will I ever go without full-timers insurance, ever. Everybody always thinks it happens to the other person. That's what most victims told me. Insurance is just that... insuring your worth and peace of mind. sure it can be expensive, but a whole lot less expensive than you bearing the entire cost of a catastrophic mess. I guess if you have enough money to replace everything you have and not be in financial collapse then I guess you're ok. I don't. To think it cannot happen to you is absurd. Just ask the thousands of victims I saw over my career who didn't have proper coverage or "thought" they did. Not me, I'm not rolling the dice! I've got too much to lose.
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TomW2
Southwest Washington State USA
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Joined: 05/23/2005
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Hey, guys & gals,
Don't go jumping on me (or anyone else) because I ask a couple of legitimate questions and people are giving their opinions or informed information.
I'm certainly not saying I plan on concealing anything from either my homeowner insurer or my RV insurer. I know that "full timers" insurance is really just adding liability to the RV insurance and perhaps personal property for the contents if the current policy is just the usual "auto" insurance. I just wanted to know if these parts of my homeowners insurance would continue to cover me in the RV even though I was no longer living IN the home. It sounds like that since someone else will be living IN the home with us living IN the RV that I need to check with my insurers and perhaps that I’ll need to change my insurance policies.
I just figured that since I retire next year at the end of March, with the corresponding drop in income, that if I could save some money it would be a good thing. Apparently, I may need to adjust my budget somewhat to reflect the necessary insurance changes.
I'm certainly not much of a gambler since I own no stock, only been in a casino for the buffet and it has been years since I've bought a lottery ticket. Heck, I have a life insurance policy that was written way back when as "non smoking", which wasn't true at the time, that I sent a letter to the company to let them know it was incorrect. I certainly don't intend on gambling with my RV/property insurance coverage.
Thanks for responding.
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Sooner Schooner
Oklahoma Sooner, but all over USA
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I would never advocate not being properly insured, it is the smart and proper thing to do. But just because you stay longer in your rig than the other guy,I personally do not see the logic in spending more money with the insurance company. Once again, ALWAYS carry the proper insurance.
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firedude
On the road
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Joined: 01/21/2003
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Tom, just do your research and know what you have and need as far as insurance. You'll be fine.
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Bumpyroad
Virginia
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Joined: 12/01/2005
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Sooner Schooner wrote:I would never advocate not being properly insured, it is the smart and proper thing to do. But just because you stay longer in your rig than the other guy,I personally do not see the logic in spending more money with the insurance company. Once again, ALWAYS carry the proper insurance.
well stated IMHO.
bumpy
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Denny & Jami
Home Base Nebraska
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Joined: 08/05/2004
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Bumpyroad wrote:Sooner Schooner wrote:I would never advocate not being properly insured, it is the smart and proper thing to do. But just because you stay longer in your rig than the other guy,I personally do not see the logic in spending more money with the insurance company. Once again, ALWAYS carry the proper insurance.
well stated IMHO.
bumpy
I also agree with the above, we always told our insurance agent what we are doing and every year we go back in and access our insurance needs. Now if you move your residency to another state (license, RV registration) then your house is no longer your residence and you should look at fulltimers insurance. Insurance is one thing that anyone that wants to go fulltime should take a long look at from all sides. Make sure if you move your residency to another state that that all your insurance well follow you, take a good long look at your health coverage. You may change your residency to save a few dimes in one area and end up costing you may $$$ in another.
Denny
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TomW2
Southwest Washington State USA
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Joined: 05/23/2005
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firedude wrote:just do your research... Asking these questions was my first stop. Next stop: try to find my policies and read them, then take my policy numbers to one of the company's agents for discussions.
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TomW2
Southwest Washington State USA
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Joined: 05/23/2005
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Denny & Jami wrote:...take a good long look at your health coverage. You may change your residency to save a few dimes in one area and end up costing you many $$$ in another.
So true.
My wife will be on a medi-gap plan that states it is good in all 50 states. I'll be on a state-sponsored plan that is good world-wide. Monthly cost: just under $500. Wife's will be $135 deductible and almost everything covered at 100%; drugs at whatever part D does; no vision or eyeglass coverage. Mine will be $200 deductible with most services having a 10% co-pay when using a "network provider" and 40% co-pay when not using a network provider, ambulance 20%, emergency room $75 unless admitted, hospital 200/day max 600; includes eys exams but only covers the first $150 for eyeglasses every 2 years; maximum $1500/year out-of-pocket. Not too shabby a coverage for $500 a month and it looks like it won't matter where I reside but I need to double check.
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trkrhelp
On The Road
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Joined: 06/20/2003
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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
John Ewing
2007 Allegro Bus 42QRP ("TisIt")
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What goes around comes around - always treat others the way you'd like them to treat you.
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