Full Time RV Insurance: Everything You Need to Know

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Are you planning on living the full-time RV lifestyle? While it can be an exciting and freeing way to live, it’s important to make sure you have the right insurance coverage to protect your home on wheels. Keep reading for a comprehensive guide to full-time RV insurance.

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What is Full Time RV Insurance?

Full time RV insurance is specialized coverage meant for those who live in their recreational vehicle full time. Unlike traditional RV insurance, which typically only covers occasional use of the vehicle, full time RV insurance is designed to provide coverage for the unique risks and liabilities that come with using an RV as a primary residence.

Many full time RVers choose to purchase a comprehensive policy that includes coverage for the RV itself, personal property inside the RV, liability coverage, and more. Some policies even include coverage for things like roadside assistance and emergency expenses.

How Much Does Full Time RV Insurance Cost?

The cost of full time RV insurance can vary widely depending on a number of factors, including the type of RV you have, your driving record, the coverage you choose, and more. On average, full time RV insurance can range from $1,000 to $4,000 per year.

While this may seem like a lot, it’s important to remember that full time RV insurance is specialized coverage that provides comprehensive protection for your home on wheels. Without proper insurance, you could be on the hook for thousands of dollars in damages or liability claims.

What Does Full Time RV Insurance Cover?

Full time RV insurance typically provides coverage for a wide range of risks and liabilities that come with using an RV as a primary residence. Here are just a few things that may be covered by a full time RV insurance policy:

What’s Covered
What’s Not Covered
Collision damage to the RV
Normal wear and tear
Personal property inside the RV
Stolen personal property outside the RV
Liability for accidents or injuries that occur inside the RV
Liability for accidents or injuries that occur outside the RV
Emergency expenses, such as lodging and transportation if your RV is damaged or destroyed
Mechanical breakdowns

How Do I Choose the Right Full Time RV Insurance Policy?

Choosing the right full time RV insurance policy can be a daunting task, but it’s important to make sure you have the right coverage to protect your home on wheels. Here are a few things to keep in mind as you compare policies:

  • Make sure the policy covers your specific type of RV, whether it’s a motorhome, travel trailer, or fifth wheel.
  • Consider the coverage limits and deductibles for each type of coverage, such as liability or personal property coverage.
  • Look for policies that offer the flexibility to add or remove coverage options as your needs change.
  • Check the insurance company’s reputation and financial stability, and read reviews from other full time RVers.

Frequently Asked Questions

Do I Need Full Time RV Insurance if I Already Have Auto Insurance?

While your auto insurance policy may provide some coverage for your RV, it’s unlikely to provide the comprehensive protection you need as a full time RVer. Full time RV insurance is designed specifically for the unique risks and liabilities that come with living in your RV full time.

What Is the Difference Between Full Time RV Insurance and Part Time RV Insurance?

Part time RV insurance is designed for those who only use their RV occasionally, while full time RV insurance is meant for those who use their RV as a primary residence. Full time RV insurance provides coverage for a wider range of risks and liabilities, and typically includes higher coverage limits and more comprehensive protection.

Can I Get Full Time RV Insurance if I Don’t Have a Permanent Address?

Yes! Many full time RVers don’t have a permanent address, and it’s still possible to get full time RV insurance. Some insurance companies may require a mailing address for policy documents, but there are options available for those without a traditional address.

Do I Need Liability Coverage if I Don’t Plan on Driving My RV?

Yes! Liability coverage is an important part of any full time RV insurance policy, even if you don’t plan on driving your RV. Liability coverage protects you if someone is injured inside your RV or if you accidentally cause damage to someone else’s property.

What Should I Do if I Get in an Accident?

If you get in an accident while driving your RV, the first thing you should do is make sure everyone is safe and call for medical attention if necessary. Then, exchange insurance information with any other drivers involved and take photos of the damage. Finally, contact your insurance company as soon as possible to report the accident and start the claims process.

Conclusion

As a full time RVer, having the right insurance coverage is essential to protecting yourself and your home on wheels. By understanding the unique risks and liabilities that come with living in an RV full time, comparing policies, and choosing the right coverage for your needs, you can enjoy the freedom and adventure of the RV lifestyle with peace of mind.

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