As an RV owner, you need insurance – you already know that. But, if you decide to move into your RV full-time, will anything change with your insurance needs? Is there any difference between coverage for those who travel occasionally in an RV and those who live in their RV’s all year long? These questions might seem a bit daunting at first, but there are actually easy answers to your full-timing RV insurance needs.
First, to get the big question out of the way, yes – you will need special coverage that addresses the unique needs of a full-time RV traveler. Most insurance companies who offer RV coverage have a specific policy aimed at full-timers which will behave in much the same way that homeowner’s coverage takes care of traditional houses. You will want to look into this kind of coverage as soon as you make the choice to live in your RV full-time, as it is important that you protect all of your possessions adequately.
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A Variety of Protections
When you take out a full-time RV insurance policy, you will enjoy a number of benefits and protections that will help put your mind at ease as you are out on the road. Depending on your specific policy, you may have personal liability, medical payments to others, loss assessment, and more all rolled into this one policy. Obviously living in a ‘home’ that can be moved from place to place comes with a unique set of risks, which is why full-time RV insurance fits into its own category.
Look for Seasonal Coverage
If you are going to live in your RV for a portion of the year while living in a traditional home for the remaining months – such as ‘snowbirds’ who live in their RV’s in warm places during the winter – you will want to look for a policy that suits your demands. Some insurance companies offer policies which provided reduced rates while the RV is in storage and not being used as a dwelling. This kind of coverage can save you significantly on your premiums while still keeping your investment safe over the long run.
Remember All of Your Stuff
When you move into an RV full-time, you are likely going to bring things into it that have a higher value than what you would have taken with you on a regular trip (such as jewelry, etc.). With that in mind, make sure your coverage is sufficient to replace anything that might be lost if there is a break-in at some point in the future. Covering yourself for just the bare minimum might be attractive in order to save money on your monthly premiums, but you will regret that decision if you don’t have enough coverage to replace everything that could be lost.
Talk with an Agent
While you certainly aren’t going to be the only person living full-time in an RV across this country, you will still have a unique situation with your combination of stuff, rig, budget, and more. The best way to get the coverage you need for the right price is simply to talk to an insurance agent about your requirements (or more than one agent, if necessary). An experienced agent who has other customers with RV coverage will be able to walk you through the options quickly and easily. When you have all of the information you need right at your fingertips, you can then make an informed and confident decision on your full-time RV insurance.