This falls under the heading of; “Has anyone else run into this before?”
We are going into 3 years of full time living in our “mobile home”. Like 85% of an estimated full time RV population of over 2 million, we have a dog. A small dog. And, just one dog at that. While booking camps along the route of our seasonal migration from Maine to Florida, we ran into something not encountered — or, even heard of — before. One of the camps we booked into hit us with a requirement to show the declaration page of our insurance policy where it must state that we are covered for “dog bites”. Now, we have just about all the insurance Good Sam sells (albeit issued through its affiliates) and Good Sam is arguably the largest seller of full time RV insurance. They, like every other insurer I’ve looked at, do not list everything their liability policy covers. Rather, they list any exceptions to that coverage. This is opposite of traditional “home owner” policies. So, the RV policy does not have a declarations page where “dog bites” are specifically covered (and, not listed, presumed not to be covered). That would suggest this camp does not want business from dog-owning full timers. That’s a big chunk of market opportunity one would think. My wife and I camp host when there is an interesting opportunity and we’ve seen how the current wave of LLC buyouts of family parks has brought a more corporate “tint” to how parks interact with customers. And, as well, long time owners have been drawn into seminars where business “experts” urge them to “maximize” profits and reduce risks by pushing them into campers. (You know; “sign here and here and now here…). But, this? Seems a bit too much. So, back to my opening question … has anyone else run into this?
We are going into 3 years of full time living in our “mobile home”. Like 85% of an estimated full time RV population of over 2 million, we have a dog. A small dog. And, just one dog at that. While booking camps along the route of our seasonal migration from Maine to Florida, we ran into something not encountered — or, even heard of — before. One of the camps we booked into hit us with a requirement to show the declaration page of our insurance policy where it must state that we are covered for “dog bites”. Now, we have just about all the insurance Good Sam sells (albeit issued through its affiliates) and Good Sam is arguably the largest seller of full time RV insurance. They, like every other insurer I’ve looked at, do not list everything their liability policy covers. Rather, they list any exceptions to that coverage. This is opposite of traditional “home owner” policies. So, the RV policy does not have a declarations page where “dog bites” are specifically covered (and, not listed, presumed not to be covered). That would suggest this camp does not want business from dog-owning full timers. That’s a big chunk of market opportunity one would think. My wife and I camp host when there is an interesting opportunity and we’ve seen how the current wave of LLC buyouts of family parks has brought a more corporate “tint” to how parks interact with customers. And, as well, long time owners have been drawn into seminars where business “experts” urge them to “maximize” profits and reduce risks by pushing them into campers. (You know; “sign here and here and now here…). But, this? Seems a bit too much. So, back to my opening question … has anyone else run into this?