Full timing

[Bill Rowe]

Thanks Kent, Bill & Carol Rowe AR 90 sp36

In WanderlodgeForum@yahoogroups.com, "Kent Johnson" wrote:
>
> Dear Bill and Carol,
> We have been Full Timing going on 4 years now. The best insurance
> we have found (so far) is Thum Insurance Agency 800-866-0777. They have
> handled a couple of claims very well and the price is very competive.
> They also handle our Mexican insurance so all is in one.
> Kent and Leann Johnson
> 1998 LX
>
> --- In WanderlodgeForum@yahoogroups.com, "Bill Rowe"
> wrote:
> >
> > Hello everyone it's been a while since I posted, but I have been
> > lurking. We think we have sold our home, and plan to full time for
> > about a year in Pepto. I can retire anytime with a three month notice,
> > most likely in the spring. Who can tell me about fulltimer insurance?
> > Bill & Carol Rowe
> > White Hall, AR
> > 90SP36
> >
>

[Bill Rowe]

Thanks Tom and Guy, We have progressive now and they ask what I felt
was a resonable value for the coach. They told me the book and gave
me a price, but said if I would take less, the rates would be lower.
So I took 20% off of the value for a realistic price and and still was
25K more than I paid for it. They agreed and lowered the annual
payment. This year when I recieved my renewal it stated what the
payoff would be if Pepto was totaled. Bill Rowe AR 90 sp36

[guysmalley]

--- In WanderlodgeForum@yahoogroups.com, "Bill Rowe" wrote:
>
> Thanks Tom and Guy, We have progressive now and they ask what I felt
> was a resonable value for the coach. They told me the book and gave
> me a price, but said if I would take less, the rates would be lower.
> So I took 20% off of the value for a realistic price and and still was
> 25K more than I paid for it. They agreed and lowered the annual
> payment. This year when I recieved my renewal it stated what the
> payoff would be if Pepto was totaled. Bill Rowe AR 90 sp36
>
Bill lets hope you never have Pepto totaled!!
I am getting ready for wintering in FL on business/ family then in the spring to
the west for 4
months can't wait

guy smalley
86 pt 40

[George Lowry]

Regarding full timing insurance: Miller of Miller Insurance used to
tell us that there are only 7 companies that write true full time
policies. Most only write an auto policy. Think of it this way: When
you are full time, you need the same coverage as you had with a
homeowners policy. You need coverage for all those personal items
that were covered in a homeowners policy. You need liability coverage
for when I trip on your step and get hurt. All the little coverages
you had in homeowners are not in the typical auto policy so you are
unprotected. Also consider a large umbrella liability for those
catastrophic events. Take a look in either Family Motor Coaching or
Motorhoming and see who is advertising. Ask them to explain why their
coverage is the best for full time. Then compare their answers.

George Lowry
'95 WBDA 4203
Spearfish, SD Making our way south/

nicodemus815@... wrote:

>>Who can tell me about fulltimer insurance?
>
>
> A lot depends on the companies that are licensed in the state you are going
> to declare as your home state.
>
> When we were working as travel nurses, we made SD our home state. There is a
> mail forwarding service there, Alternative Resources, that will walk you thru
> becoming an SD resident. You do not have to live there or own property. This
> is why so many fulltimers have SD license plates. Some of the benefits are:
> NO state income tax
> NO state inheritance tax
> NO personal property tax
> NO intangible tax on investments
> 3% excise tax on purchase of vehicles, RV's.
> LOW vehicle licensing fee.
> Rank 47th in lowest private passenger car insurance rates
> South Dakota taxes nation's lowest per capita
>
> http://www.alternativeresources.net/
>
> We used GMAC which had an office next door to AR. If you get the GMAC credit
> card you will save more money too.
>
> Steve Harrie
> '86 PT38
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