Larry and I have our house in the market so once it sells we will be living in our coach full time. We have a lot in Stoneridge with no buildings just a slab and hook ups. My problem is getting a policy for our coach. We are currently with Allstate and they are changing our policy to 365 days a year and charging an additional $555.00 a year making our total premium around $4,400 a year. I'm still waiting for the final figures from them. In speaking with other agents they warn that simply changing our policy this way may not give us full time coverage. If we make a claim and they then determine we are living in the coach full time they may deny the claim! I have tried Overland, The Hartford, USAA, Safeco and Progressive. So far we have only found National General $4,500 and Progressive $4,800 that will insure us. Who are the full timers in BAC insured through? Are your premiums in line with these? Keeping in mind they have a value on our coach at $280,000. I have been warned against using National General and Progressive due to issues getting them to pay claims. I'm getting very frustrated with this whole process.
Thanks,
Laura