Understanding Full-time RV Insurance

Full-time recreational vehicle (RV) insurance is designed for individuals who travel full-time or use their RVs as a primary residence. You may qualify for this coverage if you spend a certain amount of time each year living in your RV, such as at least six months or 150 days.

Why Is Full-time RV Insurance Important?

Living in an RV introduces risks different from occasional use. For instance, full-time RVers are more likely to encounter severe weather like storms and hail, especially if traveling across various regions. They are also more vulnerable to theft and vandalism since the RV is often parked in public or unfamiliar areas for extended periods. Full-time RV insurance is designed to help address these risks. People who’ve sold their house or spend most of the year on the road may benefit from full-time coverage.

What Does My Policy Cover?

You can customize your full-time RV insurance based on how you use your RV and any additional financial protections you need. Your agent may recommend the following:

• Vacation/campsite liability coverage may cover costs if someone gets injured while visiting your RV or if you accidentally damage someone else’s property.
• Collision coverage may pay for accident-related expenses after a crash involving your RV.
• Comprehensive coverage may cover damage unrelated to a collision, such as severe weather events, theft or vandalism.
• Liability coverage can assist with costs related to third-party bodily injuries and property damage if you’re responsible for an accident on the road, and is often required by law.
• Personal injury protection may pay for medical care and help recover lost income after an accident, regardless of who is responsible.
• Personal property coverage may cover stolen or damaged items inside your RV, such as camping gear, clothes, electronics and kitchenware.
• Loss-of-use coverage may help pay for alternative living arrangements if your RV is damaged in a covered incident and you can’t live in it temporarily.

Secure a Policy Today

Explore full-time RV options and begin building your coverage today. Contact Dean Olson Insurance Agency to get started.

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.