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07-11-2020, 08:20 AM
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#21
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Montana Master
Join Date: Feb 2020
Location: Bencia
Posts: 539
M.O.C. #25828
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We are insured with Progressive through AAA and the policy does not restrict full time use.
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07-11-2020, 09:45 AM
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#22
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Montana Master
Join Date: May 2020
Location: UPLAND
Posts: 1,283
M.O.C. #26190
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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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I have State Farm on mine, my house, and all my vehicles, but had Progressive on my boat. They are a good company. Interesting about the non coverage for living in your RV full time. Kind of weird why State Farm doesn't cover that. Glad this topic was brought up for other full time RV'rs, who might now want to check with their company to make sure they are covered.
__________________
2019 Keystone Montana 3560RL, 2020 Chevy 2500 HD, Firestone airbags, Air Lift wireless compressor, Curt gooseneck, 20K Reese Goosebox, TST-507, USMC combat vet & retired LEO. Robert, Anika, Breanna, Dylan (daughter-in-law Stephanie). & our Great Pyrenees Layla
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07-11-2020, 01:26 PM
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#23
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Montana Master
Join Date: Mar 2020
Location: Waynesville
Posts: 533
M.O.C. #25947
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Today in the mail I get a letter from State Farm and they what my business and they will meet all of my insurance needs. I need to frame that one
__________________
Charlie & Sofia
Sawyer (The Lawyer) Buster Brown Fur - babies
46 years married (Dam I been in prison that long)
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07-15-2020, 01:45 PM
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#24
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Montana Master
Join Date: Aug 2015
Location: SWFL
Posts: 965
M.O.C. #17801
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Check with the full-timers on the Escapees forum.
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07-15-2020, 01:55 PM
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#25
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Montana Fan
Join Date: Nov 2011
Location: Albany
Posts: 409
M.O.C. #11972
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Failure to disclose relevant information when applying for insurance could result in denial of any claims because the terms and conditions of the policy were violated. Best to find a company that will insure full timers.
__________________
2012 3150RL. G614 tires. Hardwired surge protector. Level-Up Hydraulic leveling.
2013 F-350 Lariat 6.7 PSD SRW SC LB 4X4 OEM hitch, air self-leveling on rear. 57-gallon replacement fuel tank. DieselSite water separator/fuel filter.
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07-15-2020, 04:03 PM
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#26
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Established Member
Join Date: Apr 2017
Location: Harrisburg
Posts: 40
M.O.C. #19709
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Insurance
We have been with State Farm for over 40 years, I have never had a claim denied. It all started back in 1967 when i came back from Nam for the 2nd time,I bought a 1966 GTO with tri-power. State Farm was the only company that would insure the GTO, told the agent i was going to drive it from my home in Harrisburg, Pa. to Fort Huachuca in Arizona, that was no problem. When we got our Montana the agent did ask if we were going to full time, I told him no but that we would spend every winter in Florida. That was no problem, I think alot has to do with your agent whenever i had a claim i would always let the agent know first. When we lost a window in the Montana coming back from Calif. State Farm covered the cost of replacing it. And I did cause them some grief when i had the GTO. Our Montana is a 2017 3791RD. Truck is a 2019 Silverado diesel DRW.
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07-15-2020, 04:30 PM
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#27
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Established Member
Join Date: Mar 2020
Location: Palestine
Posts: 38
M.O.C. #25900
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Charlie I have State L and they advised me to get renter's coverage for our 5th wheel 345 RL They will cover damage from storms, wrecks, blow outs, etc. minus the deductable. I have a residential address where we stay part of the time we are not traveling. I don't know if we would have rental coverage while traveling. I hope I don't have to find out.
John Curbo, Palestine, Tx. East Texas.
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07-15-2020, 04:48 PM
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#28
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Seasoned Camper
Join Date: Jul 2016
Location: Santa Rosa Beach
Posts: 60
M.O.C. #18757
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Progressive RV policy also covers property in storage if you have done that. They even have $1,000 accident coverage for each of your dogs if they are ever injured in a traffic accident. Both coverages aren't extra cost.
Been with them 4 years & rates have actually been dropping a small amount with each 6 month renewal for 5TH wheel & F350.
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07-15-2020, 04:50 PM
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#29
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Montana Fan
Join Date: Aug 2017
Location: Twin Falls, ID
Posts: 211
M.O.C. #20361
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I have been with Farmers insurance co. For well over 20 years and they cover my ram and my Montana. It is an addendum to the ram but it covers my like a homeowners policy, especially the liability aspect. About 1100/ 6mo
__________________
Jim and Barb
Chica and Baby (the fury kids)
2014 3402rl
2017 Ram 3500 6.7 ctd. 4x4 srw
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07-15-2020, 04:57 PM
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#30
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Montana Fan
Join Date: Sep 2018
Location: Reno
Posts: 293
M.O.C. #22620
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Quote:
Originally Posted by Cubbie
We are full time and have Progressive.
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Progressive might be nice, but I can't stand their commercials and especially Flo!
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07-15-2020, 05:11 PM
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#31
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Seasoned Camper
Join Date: Jul 2019
Location: Pahrump
Posts: 65
M.O.C. #24555
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Quote:
Originally Posted by Charlie 3931fb
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....
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We went to National General. They were about the only one to insure full time living
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07-15-2020, 05:11 PM
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#32
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Seasoned Camper
Join Date: Jul 2016
Location: Santa Rosa Beach
Posts: 60
M.O.C. #18757
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Quote:
Originally Posted by StageCoachDriver
Progressive might be nice, but I can't stand their commercials and especially Flo!
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I think she's the highest paid commercial pitch person now.
It must be working
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07-15-2020, 05:35 PM
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#33
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New Member
Join Date: Jun 2020
Location: Eugene
Posts: 7
M.O.C. #26526
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Good Sam - Foremost
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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I learned the hard way 2 things. If you don't claim "full time" then not only do they not pay you, but they also will sue you. Didnt happen to me, but my Dad owns a large tow company and we found this out.
From personal experience, I can tell you that Progressive does provide full timers insurance, but you have to be at a commercial or state funded campground. Progressive has small print in their policies that will not cover your unit on private land. Few companies actually do. Foremost Insurance is one, and that is who I use. It costs a smidgen more, but the fine print matters.
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07-15-2020, 07:56 PM
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#34
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Montana Master
Join Date: Aug 2009
Location: Grand Rapids
Posts: 1,898
M.O.C. #9561
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best way is start calling around....good luck.
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07-15-2020, 09:29 PM
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#35
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Montana Master
Join Date: Feb 2012
Location: Lake Gaston
Posts: 8,773
M.O.C. #12156
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Progressive, no issues
__________________
Mike and Lorraine
2002 3655 FL, 2005 3650RK
2010 3665RE, 2015 3910FB
F350 crew cab dually 6.7
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07-16-2020, 02:29 PM
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#36
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Established Member
Join Date: Nov 2019
Location: Dunnifan
Posts: 31
M.O.C. #25245
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When we went full time out Agent did the background for this she has gotten several full timers ins for their rigs. She has been our agent for years. We are in California but she will know what you need. Here is her info
Leanna
661-552-0077
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07-17-2020, 03:57 PM
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#37
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Montana Fan
Join Date: Mar 2009
Location: Sun Lakes, AZ 85248
Posts: 181
M.O.C. #9174
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Stay away from Good Sam. Their rates are grossly overpriced.
__________________
Carl & Susan G
2021 Montana 3121RL Legacy
2017 Ford F250 6.7 diesel
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07-17-2020, 06:11 PM
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#38
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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 Clark 2012 346LBQ
When we went full time out Agent did the background for this she has gotten several full timers ins for their rigs. She has been our agent for years. We are in California but she will know what you need. Here is her info
Leanna
661-552-0077
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Thanks man but we took care of it all ready. I do appreciate the input. I do have a question for you.
I see that your from Dunnifan, and I guess California. Never hear of Dunnifan, I have heard and been to Dunnigan Ca, About 40 miles north of Sacramento Ca. Where is Dunnifan?
__________________
Charlie & Sofia
Sawyer (The Lawyer) Buster Brown Fur - babies
46 years married (Dam I been in prison that long)
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07-17-2020, 06:13 PM
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#39
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Established Member
Join Date: Aug 2018
Location: Crystal River
Posts: 45
M.O.C. #22427
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We went full time in June of 2019. We had All State for almost 40 years prior but they will not insure a full time RV without us owning our a hose. (We sold the house) We found National General had the best coverage and could bundle it in one package; truck and trailer. We also got the personal liability coverage found with a traditional home owners policy. Progressive could insure us but they required a separate policy for the truck and trailer which increased the cost. There are other smaller companies that can do full time RV but could not do the truck. We lived in AZ at the time we started full timing so maybe your state of residence makes a difference. Typical insurance companies like State Farm and All State want to see a permanent residence and tie the vehicle and RV to it. We haven't had to use National General but others at the Escapees rally in Tucson last year spoke highly of their claim service.
__________________
Richard & Pat Carter
Crystal River, FL
2017 Ford 350 DRW, 2014 3610RL, 900 W solar, 600 AHrs BB Lithium, Go Power IC 3000 inverter
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07-19-2020, 07:11 PM
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#40
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Established Member
Join Date: Oct 2009
Location: Monroe
Posts: 12
M.O.C. #9742
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Interesting comments and thank you everyone for sharing,
Have State Farm for way too many years I guess but when I asked about insuring our Montana they said no we don't insure them (Michigan) so I went elsewhere with a Good Sam Company (Nationwide) but we don't full time. (Just seems that way)
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