Full timing

[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?
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> 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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> Yahoo! Groups Links
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