Go Back   Montana Owners Club - Keystone Montana 5th Wheel Forum > GENERAL DISCUSSIONS > Full Timing in your Montana
Click Here to Login

Reply
 
Thread Tools Display Modes
 
Old 04-11-2019, 11:43 AM   #1
Rsmarlow82
Seasoned Camper
 
Join Date: Sep 2018
Location: Walton
Posts: 92
M.O.C. #22550
Insurance for FT

We are getting ready to sell our stick home and go FT would appreciate and feedback for insurance needs
Currently unit is fully insured, and tow of course too, but is there other coverage we need to consider because we are going FT ??

Thank you in advance
Rsmarlow82 is offline   Reply With Quote
Old 04-11-2019, 12:47 PM   #2
jeffba
Montana Master
 
Join Date: Oct 2017
Location: Bastrop
Posts: 2,243
M.O.C. #20753
Allstate for 1 does not cover full timing
__________________
2019 20th Anniversary Edition 3701LK
B&W 20K for Ford OEM Puck
2018 Ford F-350 Lariat CCLB PSD DRW
Poke super lignum unum et diem
jeffba is offline   Reply With Quote
Old 04-11-2019, 09:12 PM   #3
1retired06
Montana Master
 
Join Date: Feb 2012
Location: Lake Gaston
Posts: 7,946
M.O.C. #12156
There Is a difference. Progressive offers full timer coverage.
__________________
Mike and Lorraine
2002 3655 FL, 2005 3650RK
2010 3665RE, 2015 3910FB
F350 crew cab dually 6.7
1retired06 is offline   Reply With Quote
Old 04-11-2019, 10:00 PM   #4
rohrmann
Montana Master
 
rohrmann's Avatar
 
Join Date: Oct 2012
Location: Box Elder
Posts: 2,968
M.O.C. #12947
FT coverage is just like the insurance you had on your S/B home, except your new home has wheels and is moved around the country exposing it to all kinds of potential disasters. So, besides the basic coverage you already have on your trailer, you will need liability coverage to protect you from someone getting hurt around your rig, climbing the steps and falling or any other possible injury that could wipe you out without insurance coverage. You may also want coverage if a tree falls on the rig or a pole jumps out at you and breaks the rig. We've had both the truck and trailer under one plan with Good Sam (National General), since we went full time.
__________________
Bob & Becky
2012 3402RL
2012 Chevy 2500HD D/A CC 4WD
rohrmann is offline   Reply With Quote
Old 04-12-2019, 10:21 AM   #5
DQDick
Montana Master
 
DQDick's Avatar
 
Join Date: Jun 2011
Location: Wilsey
Posts: 16,916
M.O.C. #11455
For the last 7 years of full timing we've gotten our insurance thru millerrvinsurance.com I do compare from time to time and costs vary depending on what state you domicile in, but they've always found the best deal for us.
__________________
Dick, Joyce, Diego, Picatso and Gustav
2017 3720 RL, MorRyde pin box
2017 3500 Dodge Maxi DRW 4X4, Pullrite Hitch, IS, Disk Brakes, 3rd AC, Winegard Traveler, Bathroom door mod, Dometic 320, couch for desk swap, etc.
DQDick is offline   Reply With Quote
Old 01-05-2020, 10:04 PM   #6
Bob and Jeannette
Seasoned Camper
 
Bob and Jeannette's Avatar
 
Join Date: Sep 2018
Location: Orlando
Posts: 56
M.O.C. #22589
GEICO for $1200 per year. Replacement coverage on the Montana, $10,000 personal property, $500,000 liability. Comes with roadside and all the normal stuff.
__________________
2020 Montana 3813ms legacy w/Paint
2017 Ram 3500 4X4 DRW Aisin Curt Q-25
Bob and Jeannette is offline   Reply With Quote
Old 01-06-2020, 07:30 AM   #7
mazboy
Montana Master
 
Join Date: Aug 2009
Location: Grand Rapids
Posts: 1,612
M.O.C. #9561
Best way to do this is to sit down with an agent and discuss what is out there for coverage and what you want.
Like stated above, it is the same as your homeowners insurance plan.


Cost will vary greatly with what you want for coverage.


Enjoy the travel....
mazboy is offline   Reply With Quote
Old 02-13-2020, 10:20 PM   #8
Kruskop's
New Member
 
Join Date: Sep 2018
Location: San Antonio
Posts: 8
M.O.C. #22567
Good Sam (National General) had a better price than Progressive. Full replacement if needed due to loss in the first 5 years.
Kruskop's is offline   Reply With Quote
Old 02-13-2020, 10:25 PM   #9
Kruskop's
New Member
 
Join Date: Sep 2018
Location: San Antonio
Posts: 8
M.O.C. #22567
Currently insured with Good Sam (National General) as it was better priced in AZ than Progressive. Only a few companies will insure FT living.
Kruskop's is offline   Reply With Quote
Old 02-14-2020, 05:37 AM   #10
mazboy
Montana Master
 
Join Date: Aug 2009
Location: Grand Rapids
Posts: 1,612
M.O.C. #9561
coverage is what you want covered. deductions vary, liability levels, replacement value and etc.


you have to decide on the above and you should have tow service.



as for what insurance company you need to talk to agents to learn what is out there since each state varies in requirement.
mazboy is offline   Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Forum Jump

Powered by vBadvanced CMPS v3.2.3
Disclaimer:

This website is not affiliated with or endorsed by Montana RV, Keystone RV Company or any of its affiliates. This is an independent, unofficial site.


All times are GMT -6. The time now is 08:05 PM.


Powered by vBulletin® Version 3.8.9
Copyright ©2000 - 2020, vBulletin Solutions, Inc.
×