vehicle insurance

[ladybugrules]

Hi everyone,I'm new here and planning on becoming a fulltime Rver soon and was checking into vehicle insurance when on the road with an American Family insurance agency in Sioux Falls,because that who I've been insured with forever.I guess I made the mistake of telling her that I'm going to be fulltiming it and she wouldn't insure me because she said no insurance company can legally insure some one that doesn't have an actual physical home,which I know isn't true because of the many people now doing it.So,my question is this,do you tell your insurance company what your doing?And who do you get your insurance from. :s Also,she is hoping that the law in South Dakota will change soon,so she actually admitted that it is being done.I've looked into doing it in SD and it looks to be pretty simple,but now having my doubts and I'm thinking of Nevada or Texas

 

[closeanuf]

I live in Texas and I have insurance thru Liberty Mutual, but Texas has a yearly vehicle inspection that is a PIA if you are out of state when it comes due.  Bob has a video on insurance on youtube.

 

[rm.w/aview]

On the TX vehicle inspections, when renewing simply indicate on the form that you're currently out of state, upon arriving back to TX get inspected within three days. I've read where people have gone years without returning to TX and were still able to renew annually.
On insurance for full time RV living, a number of companies write policies for this lifestyle. There are so many that I'll simply refer you to https://www.escapees.com In the options heading slide over to Benefits and click Commercial Members, then in the search bar put Insurance, this will reveal a number of companies and their contact information. There's companies not in this list as well but I believe that you'll find what you want here. A person does need a legal address, a domicile, but this is not difficult to do or obtain. If you like, at the Escapees home page again slide over to Education then click Domicile for way more info than I can share here.

 

[AMGS3]

Hi ladybugrules.

I'm in MN and live in an ice house/fish house. My insurance company rates it as a travel trailer. I have State Farm. I also have my auto policy and a renters insurance policy (to cover my personal belongings). At every step I was absolutely honest with the ins co about my intention to live in the trailer full time. They had no problem with it at all. The rep I talked to was very knowledgeable and patient about explaining what portion of the policy covered what type of accidents/damages/claims.

Also please note that I'm not blanket endorsing all State Farm offices. I've lived in several places around the state of MN and still have my policy through the office in Two Harbors, which is about 4 hrs drive from where I live now. I could get it transferred to a closer local office, but I like the people who work there and it's nice that they know me and my situation. I did meet the closer local agent in person when I was looking into transferring my policy but decided against it when I was in the new office and the staff was super bitchy when answering the phone and seemed like they were mad at the customers for wasting their time. I don't have time for that. Plus, I can do all my business by phone or mail. No need to drive over to handle ins stuff. And yes, I have compared rates between what I pay and other places, its very comparable (I've previously had Geico and progressive).

So, I'd recommend being honest with your insurance agent (whichever company you choose) about your vehicle dwelling status. If they have a problem with it, find a company that can work with you. You wouldn't want to hide it from a company that would have a problem with it because if you ever did need to file a claim you wouldn't want them to refuse it on the grounds that you were hiding this information from them. At best they might just refuse your claim, at worst it could be considered insurance fraud.

Also, I'd recommend finding an agent that is friendly. You can work with them by phone/mail/email if you are travelling, but initially it's nice to get a read about someone's personality/helpfulness by having a sit down meeting with them. You are the potential customer, there's no reason they can't be nice and helpful. If you don't get the coverage you need from them, you have to get it from one of their competitors. Also, there are more full time RVers every day. And we all need ins. It's in the company's best interest to work with us.

~Angie

Sent from my VS501 using Tapatalk

 

[ladybugrules]

Hi ladybugrules.

I'm in MN and live in an ice house/fish house. My insurance company rates it as a travel trailer. I have State Farm. I also have my auto policy and a renters insurance policy (to cover my personal belongings). At every step I was absolutely honest with the ins co about my intention to live in the trailer full time. They had no problem with it at all. The rep I talked to was very knowledgeable and patient about explaining what portion of the policy covered what type of accidents/damages/claims.

Also please note that I'm not blanket endorsing all State Farm offices. I've lived in several places around the state of MN and still have my policy through the office in Two Harbors, which is about 4 hrs drive from where I live now. I could get it transferred to a closer local office, but I like the people who work there and it's nice that they  know me and my situation. I did meet the closer local agent in person when I was looking into transferring my policy but decided against it when I was in the new office and the staff was super bitchy when answering the phone and seemed like they were mad at the customers for wasting their time. I don't have time for that. Plus, I can do all my business by phone or mail. No need to drive over to handle ins stuff. And yes, I have compared rates between what I pay and other places, its very comparable (I've previously had Geico and progressive).

So, I'd recommend being honest with your insurance agent (whichever company you choose) about your vehicle dwelling status. If they have a problem with it, find a company that can work with you. You wouldn't want to hide it from a company that would have a problem with it because if you ever did need to file a claim you wouldn't want them to refuse it on the grounds that you were hiding this information from them. At best they might just refuse your claim, at worst it could be considered insurance fraud.

Also, I'd recommend finding an agent that is friendly. You can work with them by phone/mail/email if you are travelling, but initially it's nice to get a read about someone's personality/helpfulness by having a sit down meeting with them. You are the potential customer, there's no reason they can't be nice and helpful. If you don't get the coverage you need from them, you have to get it from one of their competitors. Also, there are more full time RVers every day. And we all need ins. It's in the company's best interest to work with us.

~Angie

Sent from my VS501 using Tapatalk

thanks so much for taking the time to reply.I was concerned with the legality of not telling them,as some in other groups have said.It's good to know that there are insurance groups out there that are happy to accommodate us.I was also concerned insuring my personal belongings.Have a great day

 

[John61CT]

As long as your legal domicile / residential address is an actual residence,

where people with whom you share mutual trust an affection,

I would not publicly declare as a permanent nomad to authorities and financial institutions.

Obviously you should not take on a policy that explicitly states limitations x days per year etc,

and I'm not saying to flat-out lie,

but situations change, assumptions are made, rarely is anything really black and white.

The ideal is for all bureaucracies to perceive you as a productive mainstream wage-slaving citizen, your profile should not even raise any questions that you're planning to live any sort of alternative lifestyle.

 

[ladybugrules]

On the TX vehicle inspections, when renewing simply indicate on the form that you're currently out of state, upon arriving back to TX get inspected within three days. I've read where people have gone years without returning to TX and were still able to renew annually.
    On insurance for full time RV living, a number of companies write policies for this lifestyle. There are so many that I'll simply refer you to https://www.escapees.com In the options heading slide over to Benefits and click Commercial Members, then in the search bar put Insurance, this will reveal a number of companies and their contact information. There's companies not in this list as well but I believe that you'll find what you want here. A person does need a legal address, a domicile, but this is not difficult to do or obtain. If you like, at the Escapees home page again slide over to Education then click Domicile for way more info than I can share here.

Thanks so much for the info,will check it out

 

[ladybugrules]

As long as your legal domicile / residential address is an actual residence,

where people with whom you share mutual trust an affection,

I would not publicly declare as a permanent nomad to authorities and financial institutions.

Obviously you should not take on a policy that explicitly states limitations x days per year etc,

and I'm not saying to flat-out lie,

but situations change, assumptions are made, rarely is anything really black and white.

The ideal is for all bureaucracies to perceive you as a productive mainstream wage-slaving citizen, your profile should not even raise any questions that you're planning to live any sort of alternative lifestyle.

thank you for your opinion

 

[ladybugrules]

I live in Texas and I have insurance thru Liberty Mutual, but Texas has a yearly vehicle inspection that is a PIA if you are out of state when it comes due.  Bob has a video on insurance on youtube.

I thought I have seen all of Bobs video's,I'll go check again,thanks

 

[Moxadox]

The companies that write most full-time RVers' policies are Progressive and Geico. Progressive has the most comprehensive full-timers' policies. You must tell them you are a full-timer. If you don't, and you have a claim, they can at best drop you and leave you stranded, or at worst charge you with fraud. Escapees are a great outfit and can help you with your full-timing needs including mail forwarding and domicile issues.

Sent from my SM-N950U using Tapatalk

 

[ladybugrules]

The companies that write most full-time RVers' policies are Progressive and Geico.  Progressive has the most comprehensive full-timers' policies.  You must tell them you are a full-timer.  If you don't, and you have a claim, they can at best drop you and leave you stranded, or at worst charge you with fraud.  Escapees are a great outfit and can help you with your full-timing needs including mail forwarding and domicile issues.

Sent from my SM-N950U using Tapatalk

Thanks,it looks like my problem will be with having my cargo trailer converted and insured.I'm chemical sensitive so I need all remodeling safe for me to live around

 

[tester123]

The companies that write most full-time RVers' policies are Progressive and Geico. Progressive has the most comprehensive full-timers' policies.

Had called Progressive earlier today. Just FYI,/PSA, they told me that they won't cover self builds (not that it applies in this case since this is an RV RV).