Recently, I was contacted by a client who was solicited by GEICO for her insurance. Being that she is a full timer, she was a bit cautious about switching even though the cost was about $100 less per year. As far as I knew, GEICO was not a player in full timer insurance so I asked her to question the rep pretty good about what coverage they were providing.
The GEICO rep was very quick to say "yes, GEICO insures full timers".
Well that really got me going! What they are really saying is that they don't have a problem with a mail fowarding address as most other mainstream insurance companies do.
I asked my client to specifically inquire about the liability coverage GEICO is providing under their "full timer policy". She reported back that the rep very nicely explained that GEICO provided Vacation Liability coverage on their RV policies and that it covers liability claims THAT HAPPEN WITHIN 25 FEET OF YOUR RV!
I then asked my client to ask the GEICO rep what coverage she would have if she hit a bad shot on the golf course and took out a window or worse yet another golfer!! GEICO's response was NO COVERAGE. What about walking your pooch around the campground and it bites a fellow camper?? If not within 25 feet of your RV, NO COVERAGE. How about someone getting hurt on a piece of property you own elsewhere? NO COVERAGE!!
These are just a few of the many things that FULL TIMER COMPREHENSIVE PERSONAL LIABILITY COVERAGE does cover. This coverage follows the person named on the policy and his or her spouse wherever they may be.
If you are a full timer, then you must be sure that you have purchased the Full Timer Comprehensive Liability. I had another gentleman call for a quote last week. He and his wife have been full timing for 3 years and he had Vacation Liability on his policy which we quickly removed and replaced with the Full Timer Liability Coverage.
I get angry when companies like GEICO come out to the rally's and tout RV policies enticing people to switch for less money because they insure full timers. Even though they don't insure them correctly. I have a feeling lots of folks are going to get sucked into purchasing these policies.
Also, it's important to remember that even if you own a home somewhere, if you are in the RV more than 5 months per year, most companies still consider you a full timer which means you need to purchase the Full Timer Liability.
