Les Curren
U.S.A.
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Joined: 07/07/2001
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Been trying to buy insurance for my 5th wheel. But as soon as I tell them it will be lived in for 6 months of the year and stored in a RV campground for the other 6 months they just say goodbye. It isn't the 6 months storage that bothers them it's the 6 months living in it full time that scares them off. And yes I tried AARP where my other vehicles are insured and got the same answer.
So the question is, Who do you people insure with?
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Golden_HVAC
Fulltime, CA, USA
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Joined: 08/19/2003
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Try Foremost Insurance.
I had them for a long time. They even offer replacement coverage for a RV less than 5 years old. If it is destroyed, they will give you at least what you paid for it until it is 10 years old, and will replace a RV less than 5 years old with a like model that is new.
Good Luck!
Fred.
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forty4san
Full Time, Some Place
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Joined: 08/26/2002
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You need to talk to companies that specialize in RV insurance .. Progressive is very popular.
Susan I
2008 McKenzie Starwood 32 FKD TT
Hensley & Prodigy Brake Controller
03 Dodge 3500 Quad HO Diesel DRW 4:10 
Fulltiming, On the road somewhere.
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kakampers
Fulltimer
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Joined: 04/02/2004
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You need to contact insurance companies specializing in fulltime RV insurance.
Try Poliseek, Progressive, Foremost, National Interstate, Victory, etc....just to name a few...
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Brittany
Washington State and Salome Az
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Joined: 06/04/2006
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When we bought our 5th wheel last Fed,. called our farmers agent, who got us ahold of a Farmers agent in Parker Az. Told them we were going to leave it in Salom on a permanent lot, No problem even insured the storage shead that we had built.
The farmers agent wrote it through Formost Ins, as I remenber it was about $350.00 a year.
Charlie
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WTTCS
freedom , U.S.A.
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Joined: 07/28/2003
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"The farmers agent wrote it through Formost Ins, as I remenber it was about $350.00 a year."
I suggest you read that policy, cause you cannot buy fulltimers insurance, WHICH YOU DESPERATELY NEED, for that kind of premium that includes liability insurance, unless it is a 1955 16ft trailer.
1997 chev crew cab 454, 5 sp. 4.10
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Sooner Schooner
On a Roll
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Joined: 05/07/2007
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My Allstate Insurance has been just fine. Had a claim on my awning from the south Texas wind and it could not have gone smoother. Why do you tell them anything about what you are doing? If you ever have a claim, just explain that it occured while you were visiting the area you were in. After all, it is an RV meant for travel. I totally disagree with the statement that you "need" fulltimers insurance, but you need to evaluate what you have and what is right for you.
Click Here to Follow Our Adventure
2006 32' Keystone Everest
2001 Ford F-250 Super Duty 7.3 Power Stroke Diesel
1971 Camaro in storage
Keep A Light On, We're On Our Way
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Brittany
Washington State and Salome Az
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Joined: 06/04/2006
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Wttcs
GUESS WHAT, YOU are wrong and they even insured our storage shed and contents. I think my wife should know if it was a good policy or.She wrote insurance for 11 years.
If I had the policy here I would quote you the limits, but you can be assured when we get to Salome end of next week you will get them.
And by the way I don`t think I ever said we were full timers.
Charlie
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Les Curren
U.S.A.
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Joined: 07/07/2001
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As I stated we are not full timers. My wife lives in the fifth wheel for six months out of the year. I don't live there at all, I only visit at Christmas for a week. We have stock to care for and I can't be spending my winters in Arizona. Not that I would even if I could. I enjoy the winter months up north. The wifes lungs are shot she cannot take the cold and dampness of winter up north anymore.
Now, as for not telling the insurance people that my wife will be living in the fifth wheel during the winter, I don't consider that a good idea. If a person had a claim than the adjuster discovered that the fifth wheel was being lived in they could just deny the claim on the grounds of fraud, and be justified.
One of the questions to get insurance is the vehicles license number.
Since the fifth wheel lives in Arizona permanent it is required to be licensed in Arizona and insurance people are not stupid. They will know it is a snowbird fifth wheel.
All I really need is liability insurance. The campgrounds put these rigs so close that if one caught fire it probably would set off the adjoining rigs as well. I can suffer the loss of my own fifth wheel but I may get bankrupth if the fire spread to half a dozen other rigs.
As for just listing all the insurance companies in the phone book, sorry, but that is not what I was hoping to get here. I hoped to get personal recommendations. Anybody can look in the phone book, even me. Thats how I got all the rejections.
But thanks for trying anyway.
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WTTCS
freedom , U.S.A.
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Joined: 07/28/2003
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My question would be who cover the next person who falls in your trl or on your site and sues you?
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