What Is Full-Time RV Insurance?

Living in your RV full-time can provide an adventurous and flexible lifestyle, but it also comes with unique insurance needs. At Allsafe Insurance, we understand that those who use their RV as a primary residence or travel extensively require more than a standard policy. Full-time RV insurance is designed specifically for those who live in their vehicle year-round, providing essential financial protection.

What Does a Full-Time Policy Cover?

Full-time RV insurance goes beyond basic policies that may be sufficient for those who only use their vehicles for weekend getaways or occasional adventures. While standard coverage may address vehicle damage and liability for other parties’ losses caused while driving, full-time insurance can better address the risks of using your RV as a primary residence.

Key features of a full-time RV insurance policy may often include the following:

• Personal liability coverage can financially protect you if a guest, neighbor or other third party is injured in or around your RV while parked.
• Personal property coverage can help manage losses involving your possessions, such as electronics, camping gear, clothing and appliances.
• Additional living expenses coverage can assist with temporary housing costs if your RV becomes uninhabitable due to a covered loss.
• Full replacement cost coverage may provide enough financial aid to replace your RV with an identical or similar model if it’s totaled, without considering depreciation.

Who Needs Full-Time Coverage?

As a general rule, if you spend more than six months of the year living in your RV or if your vehicle serves as your primary residence, you likely need full-time insurance. Texas law already requires minimum liability coverage for motor vehicles, but full-time RVers face additional risks that standard auto or RV policies may not address. Additionally, if a lender has helped you finance your vehicle, they may mandate certain coverage as long as your loan remains outstanding.

How Our Team Can Help

Contact us today to discuss full-time RV insurance and get a personalized quote.

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.