Understanding Full-time RV Insurance 

Living life on the road in an RV offers a unique blend of adventure and freedom. However, with this lifestyle comes the need for specialized insurance to protect your home on wheels. Full-time RV insurance is designed specifically for those who use their RV as their primary residence, providing comprehensive coverage that goes beyond standard RV policies.

What is Full-time RV Insurance?

Full-time RV insurance is a type of policy tailored for individuals who live in their recreational vehicle at least six months out of the year or use it as their primary residence. Unlike standard RV insurance, which typically covers occasional use, full-time RV insurance can offer broader and more versatile coverage featuring financial protections that may resemble those in a homeowners insurance policy.

How Does Full-time Coverage Differ From Other Policies?

The primary difference between full-time RV insurance and other policies lies in the extent of coverage. Standard RV insurance usually covers the vehicle itself, including collision, comprehensive, and liability coverage. However, full-time RV insurance extends this protection to include:

• Personal liability—This feature extends liability coverage to incidents while the RV is parked, such as if someone is injured in or around your RV while camping.

• Medical payments—This can cover medical expenses for injuries sustained by you or your passengers, regardless of fault.

• Personal belongings—Your policy can help pay to repair or replace the contents of your RV, such as electronics, clothing and appliances.

• Emergency expenses—This coverage can pay out to help with temporary housing and other expenses if your RV is damaged by a covered incident and you cannot live in it.

Who Needs This Type of Policy?

Full-time RV insurance is essential for anyone who uses their RV as their primary residence for over six months. This includes retirees exploring the country, digital nomads working remotely and families embracing a mobile lifestyle. If your RV is more than just a vehicle and serves as your home, full-time RV insurance ensures you have the necessary protection to cover all aspects of your life on the road.

How to Get Full-time RV Insurance

Contact the Gary A Gibson Ins Agency, LLC in Lancaster, Ohio, today to learn more about full-time coverage options or compare personalized quotes.

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.