Adjusting your RV Insurance for Full-Time Use

RVs are vehicles, but they’re also homes, too. Yours might become your hotel during an extended vacation, or a camping retreat when you want to venture into rural areas for peace and quiet. Some people even take this a step further, and become full-time residents of their motor homes. That makes their RV insurance needs different from those of someone who only uses the vehicle for temporary purposes. Full-time RV residents need full-time coverage, and here’s how it works.

What’s Makes Full-Timer Coverage Special

If you live in your RV, then this is your permanent home. It’s your residence, where you probably store most, if not all of your most-important belongings. Therefore, the insurance coverage contained within a standard RV insurance policy likely won’t provide enough assistance for your residential needs. By living out of your RV, you have a lot more time and money invested in the vehicle. Therefore, if a damaging accident occurs, you have more to lose. Your insurance coverage must be adjusted to accommodate these needs. A full-timer policy will ensure that you have the right types and amounts of coverage as a solution.

Getting a Full-Timer Policy

Once you decide to use your RV as a full-time residence, immediately tell your RV insurance agent. They’ll help you take the proper steps to upgrade to a full-timer policy. If you don’t inform your agent that you plan to use the RV full-time, they could have grounds to cancel your coverage for future claims. Within your full-timer policy, you can find various types of protection, such as:

Possessions Insurance: Standard RV insurance might pay a much smaller amount of money for your possessions than a full-timer policy. Since you probably carry most of your worldly goods in the RV, this coverage can offer more protection, including replacement cost coverage. You might also be able to obtain coverage for other home contents that you hold in storage.
Bodily Injury Liability Coverage: If someone gets hurt when visiting your RV or campsite, this policy can cover the costs of their losses. Policies can also cover your legal costs in case the injured party sues you.
Emergency Expenses Insurance: Think of this coverage as something that will help you in case you have a wreck or other accident that makes the RV unusable for a time. It can help you cover costs like hotel or dining bills because you cannot use the RV itself.

Keep in mind, in addition to elements of residential coverage, you’ll still need other standard types of vehicle insurance, such as collision, comprehensive, auto liability and uninsured/under-insured coverage. Your insurance agent is happy to help you choose the right terms for your coverage. Contact Us now to learn more.

Adjusting your RV Insurance for Full-Time Use

What’s Makes Full-Timer Coverage Special

Getting a Full-Timer Policy

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