We have our domicle in SD and are beginning to research and obtain quotes for FULL TIME vehicle insurance for our truck and 2008 Casita
. We also now have Good Sam now for roadside assistance.
We have a few quotes from Doughtery in Sioux Falls and MillerRV. We are trying to understand the "terminology" and make sure we get the best coverage since this is our full-time home, I must say we are lost. Need coverage not only for what we have put in the Casita
but in our truck as well where we will carry solar
, etc. All the new mods have also exceeded what we paid for the unit. I believe theft is covered under comprehensive, or is that when a tree falls on you, etc. See how lost we are. Which is which? So a few questions I can think of at this point:
Any advice for what insurance company you would go with? We have a quote from Blue Sky, another GMAC, Allied, etc.
What exactly do we need to make sure is included in the policy and what is maybe not so important to have. A breakdown of coverage with deductibles someone has as a full-timer to use as a cheat sheet when requesting quotes would be even better, if someone would want to share.
Also, most quotes are saying they don't give replacement value. Can't you request a value in writing? I am reading don't do NADA, Kelly, etc. but to get prices sheets on comparable units online and request that for your replacement value and get in writing. Don't see that on our quotes...
Should we submit a item and cost sheet for everything we will be taking with us of value? This would be called "personal effects"?
Anything happen to someone on the road and found out later it wasn't covered that they wish they had made sure was included in their coverage?
Someone wrote make sure you ask specifically for full-time coverage and that it cost them an extra $95 a year....don't see that written out on any of the guotes we currently have. We asked for that, but don't see it specifically written out per say.
We sure appreciate any help...I keep looking at these quotes and can't make beans out of them...and this is our home and makes me a little worried....