Insurance Question

[Kellygirl]

In July we will be moving to a campground and living full time in it while my partner works for one more year until early retirement. We called and our regular insurance company said we are covered. Everything I read says to get different insurance when you are full timing. This will be our one and only "permanent" home. Do I need to get different RV insurance of some kind? Any advice would be appreciated. Thanks everyone.<br>Peace and blessings.<img src="https://vanlivingforum.com/images/boards/smilies/biggrin.gif" align="absmiddle" border="0"><br>

 

[Seraphim]

What are you - a trailer or a motor vehicle? Our class b van was insured through Progressive as an RV. It also covered theft of items from and around the camper, as well as accidents for about $220 a year.

Our car insurance wouldn't cover it.
I've also one more year to retirement. * holding my breath*

 

[Les H]

My bus is also registered and insured as a Rv. A little more than $300 a year for FULL ( comp, collision, glass, fire, theft, act of god or vandal or anything in-between. $500 deductable.) coverage through Allstate. 20 yrs to retirement if I'm lucky..

 

[rvwandering]

&nbsp;Yes ,you do need to get full time insurance. This is what the Progessive site says<br><p>The Full Timer's Package provides coverage similar to a homeowners policy and is required for people who use their RV as a primary residence, which is defined as not owning or residing in another dwelling.</p> <p>The Full Timer's Package includes Full Timer's Personal Liability coverage, Full Timer's Medical Payments To Others coverage, Full Timer's Loss Assessment coverage and Storage Shed Contents coverage, as defined below: </p><ul class="bulletList"><li><strong>Full Timer's Personal Liability</strong> — Pays up to specified limits for bodily injury and property damage for which the insured is legally responsible because of an accident. Up to $500,000 CSL coverage is available.</li><li><strong>Full Timer's Medical Payments To Others</strong> — Pays up to $50,000 for medical expenses of others who are injured because of an accident while on the property occupied by the RV that is used as a permanent or primary residence. </li><li><strong>Full Timer's Loss Assessment</strong> — Pays up to $5,000 for certain assessments charged to the full timer while he owns or is a tenant of property in an association. </li><li><strong>Storage Shed Contents</strong> — Pays up to $5,000 for contents located in a shed owned, leased or rented by the insured at the time of loss. </li></ul>&nbsp;I believe that there are only about 4 or 5 companies that offer it.<br>