Skirting

[Steve S]

My insurance agent was over yesterday and I as I was renewing policies I asked him about insuring the trailer as a live in.
He said the only way to do it was to skirt it and call it a mobile home.
Can a skirt be bought, does anyone have pics of what they've done?

[JRTJH]

Most people who skirt a RV do so with plywood, 1" foam sheeting or some other form of rigid, easily cut to size sheeting. I don't know of any "RV specific" skirting kits, but I'm sure that mobile home skirting (plastic or metal) will work if adapted with some ingenuity to the RV lower walls.

Remember, anything that you attach will likely have to be taken off before towing, so think seriously about how you intend to install the skirting before you start buying parts !!!!!

[hankaye]

Steve S, Howdy;

This sounds like a topic for the Snowbirds/Fulltimers forum. That said ....

For my older TT I used the plywood as was mentioned.
Got some ideas here;http://www.byexample.net/projects/early/skirting/
For my Cougar I had some made for me by these folks;
http://rvskirting.com/index.htm

Now... I think that you might run into a lot of problems as Mobile homes
don't need Comprehensive nor do they require Collision a few of the items
that your lender will require on any insurance policy that you purchase for
your RV. I have been having a skirmish with my Insur. folks as they require
that I have it on the road for a undetermined number of days per year to
keep it as an RV.....
It appears from my conversations that they don't like the idea of us living in
these and are trying to discourage the life style.

hank

[cabinfever]

There is mobile home skirting kits available. Like this one..... http://www.mobilehomepartsdepot.com/...FYEl4godTQUAWQ ........... There is a bottom rail, which I recommend putting on at least a 2x4, a top "rail", top retaining trim, and the skirt. You can buy all these pieces from your local mobile home supply and Im sure they would give you the best ways to install.

[thekid]

We are with Progressive and added a full time package for $65.00 a year.

Personal liab 100000/300000
Med payment 5000/50000
Lass assessment 5000
Storage shed contents 5000

[floatflyer]

Check with another agent. I full time in a TT and have a "full timer" trailer policy with Nationwide. Essentially a combination of a trailer policy for physical damage and a homeowner policy for liability. Do an internet search and you'll find plenty of info about it.

[parkgirl]

Steve, I see you're in B.C. I'm in Ontario and we use Wayfarer which is part of Aviva. We don't live in our trailer but it is seasonal so we don't pay the collision and comprehensive on it. Aviva has plans for all types of use of a trailer. The link is: http://www.avivacanada.com/rvinsurance and then just click on British Columbia.
parkgirl

[theeyres]

Here in the States, many insurance companies are not full time friendly and don't know anything about it. Others are and have no problems with insuring full time RVers without skirting. Making it a mobile home is treating it like a sticks and brick house not RV. Check around. There are certainly RV friendly insurers in Canada.

[Steve S]

Well I got a call from the insurance broker today and the trailer is insured to live in.
I know that he took pics of it and more then likely photo-shopped the pics to make it look like it has skirting!

[Myyke]

When i bought my trailer, the insurance broker i used signed my trailer up as my "home away from Home", working in Rainbow lake full time, living in trailer full time. the actual company they used is Pembridge. It's the same company i use for my house. Trailer is full replacement insured and the contents(clothes and such) is covered under house policy for me.

my trailer insurance runs me $450.00 a year.

[Steve S]

Mine came in at $425.00 and even though it's on my property I couldn't run it under house insurance so it's classified as a mobile home.
If I insured it for the road I couldn't live in it.
Either way it's insured and that makes me happy

[mikell]

We had some issues with insurance but our small town company just kinda covered us as a camper