Ep. 252: RV Insurance: Everything You Need to Know | Travel Camping RVlife fulltimeRV

Mark,
My insurance policy clearly states that my insurance will not cover any claim if I am breaking the law. So, if I decide to speed and get in an accident they will not cover me. This was a change that occurred at least a decade ago on my policies. I have no accidents or speeding tickets on my record, no teenagers and both my husband and I are 50+ years old.

One of the best videos I've ever seen. Marc, your time to make these videos and to tell things in a clear and straight forward manner is appreciated. Can't wait to see what adventures await you this year.

I was hoping to get info about DIY RV builds and how to insure those vehicles. Still, this was an informative and well-produced video, as usual.

There is a gap you didn't address. A small handful of full-time RVers put some kind of business logo (think: RV Channel logo) on their RV and/or tow vehicle. An astute adjuster will claim that makes it a commercial vehicle, and that commercial vehicles are excluded.

Okay.
I finally read our coverage.
🙄

Fortunately, as far as insurance coverage goes, we are “weekenders”.

Thanks for putting this out.

Ram
👍🏼👍🏽

Great “coverage” - insurance joke 😉 Thanks for explaining the difference between towable and power RVs insurance.
Yes. There is a difference between full and part time insurance. We are full time insurance. Oh woah- didn’t know the number of camping nights makes a difference.
We have Progressive.
Yes. Being overweight can impact liability and negligence.
Can you explain how to make sure your property inside your RV is covered when you are a full timer?
Thanks 🤗

Thanks Mark, a lot to think about! >Merton

Hey Mark I really appreciate your videos. If you are a full timer does it matter what you disclose for your address. Ie: is it better to say your home base is South Dakota than Florida. Does this result in savings on insurance?

It's a very useful video among all others. Thank you!

I want one of those shirts!!!!😍

Thanks for the info!

Thanks for the info Mark! We were fortunate to have a good agent when we went full time who was able to help us understand the things you highlighted. Love your honest, straightforward approach!!

Thanks for the great video!

Gosh, you had me sweating bullets for a minute, “if you are overweight”…..I thought you, my wife, and the insurance company was going to require me to be on a crash diet! Hmmmmm… well, probably a good idea anyway!

My wife’s ear perked up whn u talked bout “overweight”, I clarified for u. Grace be with you

Great video and great information! I've had a few people tell me to not tell the insurance company that we're full-time RVrs that they wouldn't cover us. Have you heard this? Is there any truth to this?

Really good overview of a seldom covered, and often overlooked, topic!

Thank you Sir. Great video

THANKS FOR TAKING ME TO SCHOOL ON THIS. OUR HOME IS ON THE MARKET AND WE ARE SETTING OUR SIGHTS ON BEING TRAVELERS, VAGABONDS AND GYPSIES.

Hi Mark, two quick questions… first, what are your thoughts on GEICO? (I have had them for 30 years. They have been good for auto, but I have never had an RV claim.) Second, next year I plan to snowbird. It could put me close to the 150 day mark you mentioned. Should I bring this up to GEICO before I leave?

Question: I have a mobile trailer which is full time stationary and insured for a value (Depreciated) of $ 10,000. with a deductible of 500$. Now this having been said: Should I have a TOTAL loss, would the insurer pay me 9,500. or the amount I was insured for and paid for which is 10,000. ?

Great content. Thank you for your expertise!! Take care.

Mark, went on your Amazon store and could not find a mopeka tank sensor. Are you not recommending them now?

I have spent the last two weeks in my free time going back to watch all of your videos from the start, many for the first time. Of course, as expected, your productions have improved over time, but also so has your attitude, which was a little negative in the beginning. However, one thing is very clear throughout the series, you have a passion for sharing your love for camping, traveling, and exploring. And, I think my favorite part, other than learning where the best boondocking sports are, is your history lessons. Thanks so much. I will continue to watch, and maybe in a couple of years, when I can afford my own camper and start traveling cross country, we will cross paths.

Marc, you just made RV insurance interesting! Another Great video. I love the T Shirt too…no matter what the snowboarders think. Enjoy!

We have AAA car and trailer insurance. You did not mention them is there a reason?

I just called GEICO - they've stopped issuing policies on "high-value" rigs - couldn't get a number out of the guy, but I was trying to get a quote on a 2021 Tiffin Allegro RED 33AA - so I guess we're down to three issuers for that level?

you offer to answer any questions we may have. In my case, I don't know what I don't know. I have however learned some of what I need to know from this video. Thanks.

Great video Thank you
Morganne Leigh

Hello, can you please elaborate on what you said about 'Good Sam re-selling the National General insurance'? Is that a negative thing? As a new full timer, I just recently signed up through Good Sam-National General. Am I paying more because I went through Good Sam? Also are they known to be a good company that will take care of us? New to your videos. Thank you, Brenda

Need to go stay up in driggs and do the deeps at targhee. My fav place. I'm 63 and don't get up skiing much these days but it's da bomb

Insurance policies are a weird subject to tackle but a necessary one. In addition to the insurance policy, I would highly recommend roadside assistance policy. I had to use mine to get my RV unstuck twice and for flat tires.

What RV insurance provider would you recommend? I have a 2017 highland Ridge open range light travel trailer 35’. I have been using National General which is coming up for renewal in August. I’m not full time.

Very informative video. I am using a domicile state so the insurance company has no state to base their ratings on. Because I am a full time RV'r. How get around not having a sticks home as an RV'r. Is there an insurance company that's better than another and how do I explain this?

I have a 37ft 1997 DiscoveryFleetwood diesel pusher. If I sell it to a fulltimer Rv who will be living in it not driving it, will I need to cover insurance or will the person living in it who's making payments to me be responsible for carrying the coverage?

@fbatus What type of insurance would be needed if you have live fullltime, but at the same site all year. If moved it will be moved by a towing company.

Hello Morganna, thank you for your video, I’m buying two RVs, one I’ll be living in it for few months, until I find a home, maybe 5 month.. the other one I intend to rent, after I find a home, I’ll rent both.. I need a insurance for living “and” in my case: renting business RVs. How it work?
Has that kind of insurance?, or the renter need to have their own insurance.. or I’ll have to have an insurance every time it will be renti?? Please explain me..
How can you reach me?

Thank you

What I cannot find about is tow vehicle and garaging address for those with nomad lifestyle. Can you be denied a claim on your tow vehcile because you are away to long from your garaging address. Say you spend a travelling across US. Your rate on your tow vehicle is based on you garaging address but you are actually other possibly risker areas for long times. Thanks.

Insurance is another way to keep people homeless. It's personal property, you should not need insurance or a driver's license.

Thank you!

What is the best company in you're estimation for insurance that covers the trailer for repair or replacement If you have a lot invested in solar and many upgrades in the event of collision, weather or fire damage? Also, what about contents of the trailer? Thanks! great video!

Would love to get information on good health insurance policies for full-time RVing. Does anyone have any helpful insights into health insurance coverage they would like to share?

Is there a full-time RV policy that covers Fire and or water damage?

So if you're a snowbird and you spend the summer in Florida and the rest of the time in ohio, what do you recommend for insurance?
Thanks

Thank you for this. You seem very knowledgeable about insurance. I was wondering if you have any info (or perhaps a separate video) on insuring vehicles that were converted into RVs from other vehicles (like buses, box trucks, ambulances, etc). Apparently there have been recent changes and companies that used to insure these types of vehicles no longer do. Progressive, for example, told me that they no longer have "commercial vehicle for private use" policies (which people used to use during the conversion process) and have just issued a cancellation notice for my current RV policy, claiming that they are "unable to insure former passenger or transit buses, even if they're converted". It really gets confusing for us newbies because they are still honoring older policies they issued but just now writing new ones. There are thousands of people out there with these kinds of RVs. The Skooliedotnet web page alone has almost 50,000 members and some of those have Class A size school buses. I have a little shuttle that's no bigger than a class C RV so not being able to get even liability insurance on it is kind of driving me crazy. The VIN was already converted to mobile home - incomplete before I purchased it. Any advice or suggestions you can offer are greatly appreciated. I spoke with a local agent this morning. I didn't even tell them what I was looking for. They just said that there are so many changes going on with insurance right now that they aren't writing any new policies for new clients. That it's just all too confusing for the agents right now. WTAF is going on?!

I am working on a box truck to make it into a camper. All the insurance companys I go to want to insure it as a commercail truck. How can I insure it as a camper?

Rodent damage on motorhome? How did insurance help?

i have read my insurance policy and it just lists a lot of things where they don't pay. it is a legal contract written COMPLETELY by one party in the agreement. everyone knows they are in a fight with the insurance company if they need to make a claim. it's a legal requirement, so you buy it and hope for the best. that is why people do not bother reading the policy.

Hey, Mark!!! We are upgrading from an Aliner LXE to a 2024 Little Guy Max. I am sure we paid $189 per year for the Aliner. I got a quote from Nationwide = $1800 per year. Allstars = $1486 per year. Not surprised. Sticks and bricks went up a ridiculous amount. Any new information on RV insurance since you filmed this 2 years ago? TIA!