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07-09-2020, 04:00 PM
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#1
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Montana Master
Join Date: Mar 2020
Location: Waynesville
Posts: 533
M.O.C. #25947
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A LOVE letter from insurance company..
Hey All,
Went to the mail box today and found a letter from my insurance company (State Farm) and I found out the they will not cover our Montana because we live in it full time. I am sure that I told them this when I went to pay the insurance bill after we bought the trailer.
Well I need to know of a insurance company that will cover us as full timer's. Any help would be greatly appreciated....
__________________
Charlie & Sofia
Sawyer (The Lawyer) Buster Brown Fur - babies
46 years married (Dam I been in prison that long)
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07-09-2020, 04:07 PM
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#2
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Montana Master
Join Date: Mar 2020
Location: Lamesa
Posts: 629
M.O.C. #26010
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I believe Good Sam has full time insurance. Not sure about others but I believe there are several. Folks that have it will be able to chime in and offer more info I'm sure.
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Danny and Susan wife of 55 years
2019 Ram Laramie 3500 6.4 4x4 CC 4.10 SRW
2020 Montana High Country 331RL
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07-09-2020, 04:21 PM
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#3
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Established Member
Join Date: Jul 2017
Location: Phoenix
Posts: 46
M.O.C. #20155
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We are full time and have Progressive.
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07-09-2020, 06:08 PM
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#4
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Montana Master
Join Date: Dec 2009
Location: Sebring
Posts: 3,669
M.O.C. #9969
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Progressive here also.
__________________
Michelle & Ann
2018 Chevy 3500HD High Country DRW 4X4 Crew Cab w/Duramax/Allison, Formally 2010 Montana 2955RL, Now Loaded 2016 SOB, Mor/ryde IS, Disc Brakes & Pin Box, Comfort Ride Hitch, Sailun 17.5 Tires.
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07-09-2020, 06:15 PM
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#5
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Montana Master
Join Date: Jun 2017
Location: POINTBLANK
Posts: 1,916
M.O.C. #19944
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Check with the Miller Insurance Agency - others have mentioned they got a good deal there
__________________
RAM 22' DRW 3500 Crew LB 40 gal reserve tank / RETRAX Bed Cover / 2020 373RD HC / IS / MOPEKA Tank Monitor / Furrion Side&Rear Cameras
Slide Toppers / EMS-HW50C / Sailun 85's
3rd AC / Dometic 320
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07-09-2020, 06:41 PM
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#6
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Montana Master
Join Date: Oct 2018
Location: Anderson
Posts: 2,787
M.O.C. #22835
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So, change insurance companies, but never mention you are "full timing." If asked, just say you use it year round and travel a lot.
As far as theft and vandalism, your camper is safer with you living in it that stowed away at any storage facility.
__________________
History is not about the past, it's an explanation of the present.
2019 Montana High Country 375FL
2014 Chevy Silverado Duramax, 6.6L Dually
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07-09-2020, 06:50 PM
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#7
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Montana Master
Join Date: Jun 2017
Location: POINTBLANK
Posts: 1,916
M.O.C. #19944
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Quote:
Originally Posted by DutchmenSport
So, change insurance companies, but never mention you are "full timing." If asked, just say you use it year round and travel a lot.
As far as theft and vandalism, your camper is safer with you living in it that stowed away at any storage facility.
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It's when you drop S&B Insurance and change mailing address. It's the exposure level for ins company for fulltime
__________________
RAM 22' DRW 3500 Crew LB 40 gal reserve tank / RETRAX Bed Cover / 2020 373RD HC / IS / MOPEKA Tank Monitor / Furrion Side&Rear Cameras
Slide Toppers / EMS-HW50C / Sailun 85's
3rd AC / Dometic 320
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07-09-2020, 07:28 PM
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#8
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Montana Master
Join Date: Mar 2016
Location: Catoosa
Posts: 787
M.O.C. #18384
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[QUOTE=DutchmenSport;1190014]So, change insurance companies, but never mention you are "full timing." If asked, just say you use it year round and travel a lot.
Yeah, that’s what you want to do...lie to an insurance company. Like they don’t already look for any minuscule excuse to reject your claim! You’ll pay all those premiums for years, and then when you need it they’ll say, sorry you lied to us, but thanks for giving us your money anyway. You will be their favorite type of customer!
,
__________________
2015 3100RL legacy...2005 Ford F-250 CC SB. Tows like a charm! 4/19 Updated to 2017 Chevy 3500 CC SB SRW -hope it tows as well as my F 250 did!
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07-09-2020, 07:54 PM
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#9
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Montana Master
Join Date: Oct 2017
Location: Bee Branch
Posts: 2,620
M.O.C. #20693
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[QUOTE=Theunz;1190026]
Quote:
Originally Posted by DutchmenSport
So, change insurance companies, but never mention you are "full timing." If asked, just say you use it year round and travel a lot.
Yeah, that’s what you want to do...lie to an insurance company. Like they don’t already look for any minuscule excuse to reject your claim! You’ll pay all those premiums for years, and then when you need it they’ll say, sorry you lied to us, but thanks for giving us your money anyway. You will be their favorite type of customer!
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Well that was rather harsh.
How about just don't volunteer any information to the insurance company. You know act like a police officer just stopped you.
Most never ask if you are full time or not.
__________________
James & Irene Wilson
Bee Branch, AR.
2017 Ram 1 ton diesel duallyCrew Cab/Long Bed
2018 Montana High Country 381TH Garage Full of Toys
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07-09-2020, 07:58 PM
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#10
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Montana Master
Join Date: Mar 2016
Location: Catoosa
Posts: 787
M.O.C. #18384
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See previous post
Ignorance may be bliss, but it’s no excuse.
__________________
2015 3100RL legacy...2005 Ford F-250 CC SB. Tows like a charm! 4/19 Updated to 2017 Chevy 3500 CC SB SRW -hope it tows as well as my F 250 did!
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07-09-2020, 08:08 PM
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#11
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Montana Master
Join Date: Mar 2020
Location: Lamesa
Posts: 629
M.O.C. #26010
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[QUOTE=mtlakejim;1190030]
Quote:
Originally Posted by Theunz
Well that was rather harsh.
How about just don't volunteer any information to the insurance company. You know act like a police officer just stopped you.
Most never ask if you are full time or not.
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I'm not so sure that is correct. I've never applied for an RV policy that they didn't ask me "how much" I used it and maybe what time periods (Good Sam). In effect that question asks if you are full time.
Trying to misrepresent your vehicle, circumstances etc. can have dire effects on an insurance claim. My motto? Shoot straight and pay the consequences.
__________________
Danny and Susan wife of 55 years
2019 Ram Laramie 3500 6.4 4x4 CC 4.10 SRW
2020 Montana High Country 331RL
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07-09-2020, 08:17 PM
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#12
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Site Team
Join Date: Jun 2011
Location: Wilsey
Posts: 18,799
M.O.C. #11455
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We have used Millerrvinsurance.com for the last ten years of full timing. You actually need full time insurance since it includes the type of liability coverage you usually have with a stick house. Full time insurance is more expensive for that reason.
__________________
Dick, Joyce, Diego, Picatso and Gustav
2017 3720 RL, and 2013 HC 343RL
Pullrite Hitch, IS, Disk Brakes, 3rd AC, Winegard Traveler, Bathroom door mod, Dometic 320, couch for desk swap, replaced chairs, sun screens, added awnings, etc.
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07-09-2020, 09:13 PM
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#13
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Montana Master
Join Date: Mar 2020
Location: Waynesville
Posts: 533
M.O.C. #25947
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OK Guys, First off i am not going to lie to anyone. State farm doesn't want to cover me they don't have to. I all ready called Progressive. They gave me a quote for the Montana plus all my vehicle's and we are set up with them and they are saving us a lot of money on the auto side. Thank you for all your help. It is done!
__________________
Charlie & Sofia
Sawyer (The Lawyer) Buster Brown Fur - babies
46 years married (Dam I been in prison that long)
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07-09-2020, 09:30 PM
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#14
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Montana Master
Join Date: Jun 2017
Location: POINTBLANK
Posts: 1,916
M.O.C. #19944
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Quote:
Originally Posted by Charlie 3931fb
OK Guys, First off i am not going to lie to anyone. State farm doesn't want to cover me they don't have to. I all ready called Progressive. They gave me a quote for the Montana plus all my vehicle's and we are set up with them and they are saving us a lot of money on the auto side. Thank you for all your help. It is done!
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East Texas had a bad tornado April 22 - State Farm, hands down, has been the worst company for the policy holders to deal with. Drive thru the 12 neighborhoods hit and you'll see 3-4 signs with State Farm and UGLY Face painted on it. Some of the relief works that support victims of Hurricane Harvey were the same way. For your information - might be good to be free of them
__________________
RAM 22' DRW 3500 Crew LB 40 gal reserve tank / RETRAX Bed Cover / 2020 373RD HC / IS / MOPEKA Tank Monitor / Furrion Side&Rear Cameras
Slide Toppers / EMS-HW50C / Sailun 85's
3rd AC / Dometic 320
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07-09-2020, 10:25 PM
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#15
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Montana Master
Join Date: Mar 2020
Location: Lamesa
Posts: 629
M.O.C. #26010
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Quote:
Originally Posted by Charlie 3931fb
OK Guys, First off i am not going to lie to anyone. State farm doesn't want to cover me they don't have to. I all ready called Progressive. They gave me a quote for the Montana plus all my vehicle's and we are set up with them and they are saving us a lot of money on the auto side. Thank you for all your help. It is done!
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IMO you made a wise choice. Had all our stuff insured with them including multiple homes. The continually kept adding riders, exclusions plus raising the rates...non stop. It was ridiculous. I had used them for many years. Finally filed a claim and they balked which really aggravated me. My friend was the agent and it was settled but if it hadn't been for that I would have been up a creek. Moved to either Progressive or Geico, don't remember, but cut my premiums almost in half and they were SO much better....and I didn't even have an agent.
__________________
Danny and Susan wife of 55 years
2019 Ram Laramie 3500 6.4 4x4 CC 4.10 SRW
2020 Montana High Country 331RL
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07-10-2020, 06:47 AM
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#16
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Montana Master
Join Date: May 2011
Location: Hixson
Posts: 3,436
M.O.C. #11397
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Was very happy with GEICO policy for full timers for over 9 years covering 3 different Montanas.
__________________
2018.5 Montana 3791RD
Full Timers 9/1/2010 through 1/16/2020.
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07-10-2020, 08:34 AM
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#17
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Montana Fan
Join Date: May 2015
Location: Livermore
Posts: 492
M.O.C. #17391
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I am not sure why a insurance company will insure you while towing it around the country but as soon as you park it than nope. I think it would be a hole lot cheaper than insuring a S&B. Claims would be cheaper. I just don't understand some companies.
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07-10-2020, 11:02 AM
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#18
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Montana Master
Join Date: Mar 2020
Location: Waynesville
Posts: 533
M.O.C. #25947
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Quote:
Originally Posted by Ram Montana High Country
East Texas had a bad tornado April 22 - State Farm, hands down, has been the worst company for the policy holders to deal with. Drive thru the 12 neighborhoods hit and you'll see 3-4 signs with State Farm and UGLY Face painted on it. Some of the relief works that support victims of Hurricane Harvey were the same way. For your information - might be good to be free of them
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Yep I heard that! I have never been a big fan of State farm and I will be glad to be rid of them. They played a few games with us to and some rain damage that we had here 2 years ago. We had trees come down in our yard. They didn't hit the cars or the house. The trees did take out a fence and took out our electrical and cable wire's. Because there was no house damage or car's they didn't want to cover anything. I should have left them at that time. But live and learn I guess.
__________________
Charlie & Sofia
Sawyer (The Lawyer) Buster Brown Fur - babies
46 years married (Dam I been in prison that long)
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07-10-2020, 02:25 PM
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#19
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Montana Master
Join Date: Mar 2016
Location: Catoosa
Posts: 787
M.O.C. #18384
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State Farm is the Camping World of the insurance industry.
__________________
2015 3100RL legacy...2005 Ford F-250 CC SB. Tows like a charm! 4/19 Updated to 2017 Chevy 3500 CC SB SRW -hope it tows as well as my F 250 did!
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07-11-2020, 06:48 AM
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#20
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Montana Master
Join Date: Oct 2017
Location: Bastrop
Posts: 2,892
M.O.C. #20753
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Our Allstate insurance agent told us he cannot offer us a full timing policy if we ever make the jump.
__________________
Mocha, one-eyed toothless, hurricane survivor, Pirate dog
2019 20th Anniversary Edition 3701LK
B&W 20K for Ford OEM Puck
2018 Ford F-350 Lariat CCLB PSD DRW KJ5CQH
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