An insured called last week to say that he was now going full-time. I thought this strange because he had recently cut back to part-time employment.
What he meant was that he sold his house and was preparing to hit the road and travel full-time in his recreational vehicle. Sounds great! However, more changes to his insurance program are needed than simply canceling the homeowner insurance policy.
Sure, his motorhome was already insured on a personal auto insurance policy with his other auto. But a full-timer needs more coverage than the personal auto policy can provide.
For example, the full-timer needs personal injury liability coverage. . . like when he injures someone when golfing.
Coverage is needed for personal effects that are in the RV or a storage unit. These coverages are not covered by the personal auto insurance policy!
If you plan to go full-time, give me a call.