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06-20-2024, 04:29 PM
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#1
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Established Member
Join Date: Feb 2022
Location: Clermont
Posts: 37
M.O.C. #30488
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FT Insurance specifics
After almost two years on the road, we have finally cut the cord, and no longer have the safety net of a stick home.
I am going to switch our insurance to full-time status, and would like to know the specifics you shopped for in your FT policy. Deductibles, property coverage, replacement coverage, emergency relocation coverage, etc.
Any and all info appreciated. Good, bad, or indifferent...
Thank you!
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06-21-2024, 11:44 AM
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#2
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Montana Fan
Join Date: Apr 2021
Location: everywhere, USA
Posts: 305
M.O.C. #28634
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We had Progressive, they bumped our truck insurance 25% after 6 months, and our RV 20% after the first year. I think they are progressively raising the rates. When I called them they said it was due to cost of insuring us! No claims or traffic violations and good credit. Needless to say we changed carriers.
__________________
2021 Montana 3761FL, 11.5kw LIFPO4 batteries & 1700 watts of panels w/ Multiplus II 3K inverter and 30amp DC to DC charger from truck. 8k Dexter axles w/ Kodiak disc brakes.
2019 6.7 diesel F350 DRW with Banks derringer and 4"exhaust, airlift bags, 25k B & W Companion hitch, 45 gal. aux. diesel tank and 14k Winch, just in case!
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06-21-2024, 06:53 PM
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#3
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Established Member
Join Date: Feb 2022
Location: Clermont
Posts: 37
M.O.C. #30488
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Who did you move to?
__________________
Scott Hiltsley
Central Florida, USA
SCUBA Instructor & Retired Firefighter
Not quite a full-timer
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06-21-2024, 06:54 PM
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#4
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Established Member
Join Date: Feb 2022
Location: Clermont
Posts: 37
M.O.C. #30488
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Quote:
Originally Posted by Todd & Mary
We had Progressive, they bumped our truck insurance 25% after 6 months, and our RV 20% after the first year. I think they are progressively raising the rates. When I called them they said it was due to cost of insuring us! No claims or traffic violations and good credit. Needless to say we changed carriers.
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Who did you move to?
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06-22-2024, 08:06 PM
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#5
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Site Team
Join Date: Sep 2017
Location: Oro Valley
Posts: 4,099
M.O.C. #20477
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Scott,
I am not a fulltimer and a little surprised at your lack of response.
Recommend finding an insurance broker in the state you have chosen to domicile in and work with them.
__________________
Zack and Donna plus Millie and Ranger
2018 3160RL
"Life is too short to stay indoors, enjoy the ride!"
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06-22-2024, 08:21 PM
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#6
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Established Member
Join Date: Feb 2022
Location: Clermont
Posts: 37
M.O.C. #30488
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Quote:
Originally Posted by AZ Traveler
Scott,
I am not a fulltimer and a little surprised at your lack of response.
Recommend finding an insurance broker in the state you have chosen to domicile in and work with them.
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Lack of response? Response to what?
I know how to shop for insurance.
You contributed nothing to this post.
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06-22-2024, 08:25 PM
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#7
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Site Team
Join Date: Sep 2017
Location: Oro Valley
Posts: 4,099
M.O.C. #20477
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Scott,
I am surprised by the lack of response to your request for info from members of the forum. We normally have more folks piping up.
__________________
Zack and Donna plus Millie and Ranger
2018 3160RL
"Life is too short to stay indoors, enjoy the ride!"
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06-22-2024, 08:29 PM
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#8
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Established Member
Join Date: Feb 2022
Location: Clermont
Posts: 37
M.O.C. #30488
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Quote:
Originally Posted by AZ Traveler
Scott,
I am surprised by the lack of response to your request for info from members of the forum. We normally have more folks piping up.
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Thank you for clarifying.
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06-26-2024, 05:53 PM
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#9
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Established Member
Join Date: Apr 2019
Location: Arlington
Posts: 35
M.O.C. #23884
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I got quotes from about 3-4 insurance companies as there are only a few that understand full time in an RV. GEICO gave me the best price and understand FT. They even asked me questions about how long we live in the 5th wheel per year. Then they gave me questions about how much coverage I wanted. Did all of this online. I have had two claims and they paid quick with no questions about being FT. Rates hae gone up some but not to bad.
__________________
2011 Montana 3580RL 37' Hickory Edition
2012 Ford f-250 King Ranch short bed, 6.7 diesel, SumoSprings, Pullrite slider hitch. Sulastic shackles, 400 amp hour lithium batteries, 500 watts solar, DC to DC charger, 3000 watt full sine wave inverter
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06-26-2024, 06:34 PM
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#10
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Established Member
Join Date: Feb 2022
Location: Clermont
Posts: 37
M.O.C. #30488
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Quote:
Originally Posted by rpkittle1
I got quotes from about 3-4 insurance companies as there are only a few that understand full time in an RV. GEICO gave me the best price and understand FT. They even asked me questions about how long we live in the 5th wheel per year. Then they gave me questions about how much coverage I wanted. Did all of this online. I have had two claims and they paid quick with no questions about being FT. Rates hae gone up some but not to bad.
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Thank you. We had GEICO years ago and had no complaints. They handled a total loss claim very quickly. I'll check with them for ft coverage.
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06-27-2024, 01:48 PM
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#11
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Established Member
Join Date: Feb 2024
Location: Denver
Posts: 11
M.O.C. #33953
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I have had progressive since I went full time and they have been good responding to an accident turning and crushing a cargo door plus other issues. I like them as they cover contents which some companies do not
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