More RV Insurance Tips for Full-time RVers

Full-time RV insurance may provide coverage for those who live in their recreational vehicle year-round. Unlike standard RV policies intended for occasional travel, full-time coverage accounts for the vehicle functioning as a permanent residence.

Top Things to Consider for Full-Time RVers

Being underinsured or lacking appropriate coverage can create problems if you file a claim. Here are some essential considerations to get the most out of your RV insurance:

• Liability coverage that matches residential needs—As a full-timer, you face risks like a homeowner. Look for higher liability limits to cover incidents like someone getting injured near your RV.

• Personal belongings coverage—Living in your RV means carrying more personal items than a weekend traveler. Make sure your policy includes coverage for clothing, electronics and household goods.

• Emergency expense allowance—If your RV becomes unlivable after a covered incident, you’ll need a place to stay. Emergency expense coverage may help with hotel costs and temporary transportation.

• Full replacement cost coverage—Standard policies may only pay the depreciated value of your RV. Replacement cost coverage may provide a higher payout if your RV is totaled.

• Coverage for attached accessories—Awnings, solar panels and other additions aren’t always included automatically in your policy. Double-check that these upgrades are covered.

• Roadside assistance plans—Mechanical problems can happen at any time on the road. Roadside assistance may help save you time and money.

Secure Optimal RV Insurance

Gary A Gibson Ins Agency, LLC offers RV insurance policies designed for those who live in their RV year-round. Contact us today to learn about getting appropriate coverage at favorable rates.

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.