Insurance When the RV Is Your Home
Why Is Full-Time RV Insurance Different?
Using an RV as a home can create exposures similar to both automobile insurance and residential insurance. The RV is not only being driven—it may also serve as your living space for much of the year.
More Personal Property
Full-time RV users may carry clothing, electronics, kitchen items, outdoor equipment, tools, valuables, and other belongings that would normally be kept in a home.
More Premises Exposure
When the RV is parked and used as a residence, visitors, campsites, awnings, outdoor furniture, pets, hookups, and other activities can create additional liability concerns.
Greater Travel Exposure
Frequent driving, long-distance trips, unfamiliar roads, extended parking, and travel through multiple states can increase both vehicle and property exposure.
What Coverage Should Full-Time RV Owners Review?
Full-time RV insurance may include or offer coverage that is especially important when the recreational vehicle functions as a residence rather than simply a vacation vehicle.
Full-time RV coverage may provide liability protection for qualifying incidents that occur while the RV is being used as a residence.
Review the amount available for belongings kept inside the RV and whether special limits apply to valuables, electronics, tools, or other property.
If a covered loss makes the RV temporarily uninhabitable, qualifying emergency lodging or other additional living expenses may be available depending on the policy.
Review towing distance, roadside assistance, trip interruption, and other services that may become especially important when traveling frequently.
What Should You Tell Your Insurance Company?
Accurate information about how the RV is used can help determine whether a recreational-use policy remains appropriate or whether full-time or extended-use coverage should be considered.
Explain whether the RV is used only for occasional vacations, several months each year, or as a primary full-time residence.
Disclose whether the RV travels frequently, remains at a seasonal site, stays in an RV park, or is stored at another location for part of the year.
Estimate the value of clothing, electronics, outdoor equipment, kitchen items, bicycles, valuables, and other belongings regularly carried in the RV.
Review the RV’s current value, custom equipment, solar systems, generators, awnings, satellite equipment, towing accessories, and other major upgrades.
Is Your RV More Than Just a Vacation Vehicle?
Best Formula Insurance can help RV owners review full-time occupancy, liability, personal property, physical damage, roadside assistance, temporary living expenses, travel exposure, and other recreational vehicle insurance options.