Living in a recreational vehicle (RV) full-time is a unique lifestyle that brings a host of considerations, not least of which is insurance. Generally, the insurance protections of a standard RV insurance policy can be insufficient for the needs of RV full-timers. For these individuals, full-time RV insurance should be prioritized.

What Is Full-time RV Insurance?

Full-time RV insurance is designed specifically for those who live in their RVs most or all of the time (e.g., more than six months in a year). It’s generally more robust than typical auto or RV insurance coverage. Full-time RV insurance can help cover risks when the vehicle is parked, which is vital when using it as a residence.

What Does Full-time RV Insurance Cover?

Policy specifics can vary by insurer and location. Generally, full-time RV insurance may include the standard protections found in many auto insurance policies (e.g., physical damage protection and auto liability coverage, among others).

Further, full-time coverage goes beyond standard policies and offers broad liability coverage when the RV is parked, similar to homeowners insurance. Additional protections within a full-time policy may include:

• Personal liability coverage may aid in covering expenses for third-party property damage or bodily injuries for which you are responsible when the RV is parked, such as at a campsite.
• Medical payments coverage may help cover medical costs for third parties who get hurt in or around your RV while it’s parked.
• Loss assessment coverage may help when a property association charges fees for damage to common areas or the area where the RV is parked.
• Emergency expense coverage may help cover the costs of temporary housing, transportation and other essentials if your RV becomes uninhabitable due to a covered loss.

How Much Does Full-time RV Insurance Cost?

The cost of full-time RV insurance can be influenced by several factors, including the value of your RV, where you plan to travel, how often you use it and the level of coverage you choose. Getting multiple quotes is essential to ensure you’re getting the best price for the coverage you need.

Who Needs Full-time RV Insurance?

Full-time RV insurance is designed for individuals or families who live in their RV most or all of the time. If you’re considering becoming a full-time RVer, having full-time RV insurance is crucial.

Insurance for Full-time RV Living in Virginia Beach

Contact Matt Roenker Insurance Agency to discuss your RV insurance needs. We can make coverage recommendations influenced by your specific recreational vehicle and usage habits.

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.