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Old 10-21-2021, 02:28 PM   #1
Mini-Skoolie
 
Join Date: Jan 2021
Location: Louisville, KY
Posts: 26
Year: 2006
Coachwork: Thomas
Chassis: Front Engine
Engine: Cat C7
Rated Cap: 84
Full-timer insurance in KY -OR- min req for perm address

Getting into the fun part of insurance -

Background:
  • Family of 6
  • Conversion well underway
  • On schedule for full-time residence in our skoolie beginning next summer
  • Current domicile in KY
  • We will be maintaining our primary social/professional ties in KY while on the road and still plan to spend 2-3 months/yr in the state, so setting up a domicile elsewhere is non-starter
  • Unless we fall in love with another part of the country, we plan to return to KY full-time after a few years on the road
  • Need at least liability insurance, but am trying to get some personal property coverage as well to cover us against theft, etc

Nat General is willing to insure (even with a roof raise), BUT their policy explicitly prohibits full-timing. I pressed the agent to clearly define the distinction between full-time and part-time.

His answer:
"You are not full-time if you have a permanent physical address."

When I pressed him on any explicit requirements of days residing at that address, he repeated (twice, because I asked him to), "if you have a physical address, we would consider you part time."

Two questions:
  • Any guidance on the cheapest way to maintain a physical address:
    • Considered 'living' with relatives/friends, but want to understand implications for them (especially if we get a personal property insurance policy at their address)
    • Other options to consider?
  • Anyone aware of other options for getting full-time RV/skoolie insurance (yes, beating a dead horse as NG seems to be the only game in town at this point, but have to ask)


Thoughts?

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Old 10-21-2021, 09:59 PM   #3
Mini-Skoolie
 
Join Date: Jan 2021
Location: Louisville, KY
Posts: 26
Year: 2006
Coachwork: Thomas
Chassis: Front Engine
Engine: Cat C7
Rated Cap: 84
Quote:
Originally Posted by john61ct View Post
Hadn't seen that one before - super helpful; thanks!
tomrasdf is offline   Reply With Quote
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