|If you have ever been confused as to how your RV insurance is calculated, you're not the only one. Insurance rates are based on factors that may seem completely unrelated to RVing...such as your marital status. Below are a the first two factors that determine your RV Insurance Rate.
1) Storage Location – by State and by Zip Code
If you store your RV in Florida during hurricane season, there’s a higher potential for wind and flood damage than if you store it in Arkansas. In certain states and zip codes, crimes are more likely to occur. Your decision on where to store your RV when it’s not in use affects your overall insurance rate. Talk to your RV insurance agent to determine if it could pay you to store it in a zip code – or state – away from your current location. Your RV may need to be registered in the state where you store it though, so be sure to discuss this factor with your agent.
2) Type of Use – Full-Timer vs. Recreational
If you plan to live in your RV full-time, you need an insurance policy that works like a floating home-owners policy that follows you everywhere you go. If you’re a weekend warrior, you can get different coverage that won’t cost you as much. Be honest when you’re signing up for your policy though – saving a little money can end up costing you thousands if your claims adjuster thinks you’ve fudged the truth during your application.
The rest can be found at: http://www.maryjokilroy.com/the-13-factors-that-determine-your-rv-insurance-rate/
Would love to know if this helps anyone!