Are You a Full-time RVer? Here’s What Insurance You Actually Need

Living in your recreational vehicle (RV) full-time can bring unparalleled freedom and adventure to everyday life. But this unique lifestyle presents unique risks. When your home is also a vehicle, you need specialized insurance that can cover both aspects.

What Is Full-time RV Insurance?

A full-time RV insurance policy is tailored for those living in their RVs for at least six months out of the year or use it as their primary residence. While standard RV insurance covers occasional use, full-time RV insurance offers more versatile coverage and financial protections that resemble a homeowners insurance policy.

What Does Full-time RV Insurance Cover?

The biggest difference in full-time RV insurance is the extent of coverage. Full-time RV insurance may include the following:

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

• Personal liability coverage—This extends liability coverage to incidents that occur when your RV is parked, such as someone getting injured in or around your RV while camping.

• Medical payments coverage—This can help cover medical expenses for injuries to you or your passengers in an accident, regardless of fault.

• Emergency expenses coverage—This can help cover temporary housing and other expenses if you must temporarily move out of your RV due to a covered incident.

• Roadside assistance—This can include towing, tire changes, and battery jumps if you break down while on the road.

Contact Us

Not much compares to the flexibility and adventure that living in your RV brings. It’s important to speak to an insurance provider to make sure that your full-time RV insurance policy meets your unique needs. Contact Guardian Insurance in Lilburn, GA for a personalized quote or more information.

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.