What Is Full-Time RV Insurance?

For many in Sanger, CA, an RV isn’t just a way to travel; it’s their home. If you live in your recreational vehicle for more than a few months each year, standard RV insurance may not offer the level of protection you need

How Full-Time RV Insurance Differs From Standard Coverage

Standard RV insurance is designed for people who use their motorhome or travel trailer recreationally. Full-time RV insurance, on the other hand, is intended for those who live in their RV for six months or more each year. Because your RV serves as both your home and your vehicle, this coverage combines elements of auto and homeowners insurance.

What Does Full-Time RV Insurance Cover?

While policies vary, full-time RV coverage often includes the following:

• Liability protection may cover injury or property damage claims if someone is hurt in or around your RV.
• Personal property coverage may protect belongings inside the RV, similar to homeowners insurance.
• Medical payments may help pay medical expenses if a guest is injured in your RV.
• Comprehensive and collision coverage may pay to repair or replace your RV after events like accidents, theft, vandalism or certain weather damage.
• Loss of use coverage may help with temporary living expenses if your RV is damaged and can’t be lived in.

Why Full-timers Need Specialized Coverage

Living full-time in an RV increases certain risks: more time on the road, higher exposure to weather and the need to protect all your possessions in one place. Standard RV policies usually have lower limits for personal belongings and may not provide adequate liability protection for a permanent residence.

Choosing the Right Policy

Your coverage needs may depend on your RV’s value, where you travel and the possessions you keep inside. Contact Academy West Insurance today to understand your options and customize a policy that meets your lifestyle.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.