What is full-time RV insurance?
Full-time RV insurance includes optional coverages that provide protection if you use your RV as your permanent residence — typically defined as residing in a motorhome or travel trailer more than six months out of the year. Full-time liability coverage may cover you if you're liable for injuries in or around your RV. Loss assessment coverage on a full-time policy may cover costs incurred from your RV association.
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How does full-time RV insurance work?
Along with the typical coverages on an RV policy, you receive broader RV coverages on a full-timers policy that may protect you if your travel trailer or motorhome is your permanent home, such as:
Personal liability coverage
RV liability coverage can pay for property damage or injuries you're liable for while your travel trailer or motorhome is parked.
Example:A neighbor is seriously injured after slipping and falling inside your motorhome due to your negligence. Your personal liability coverage may pay for their medical expenses, up to your coverage limit.
Medical payments coverage
If a visitor is injured while inside or near your RV, medical payments coverage may cover their medical costs.
Example:A friend breaks his arm while playing catch near your travel trailer. Your medical payments coverage may pay for their hospital bill, up to your coverage limit and regardless of fault.
Loss assessment coverage
Loss assessment coverage may cover fees charged by an association to cover repairs to common areas or other parts of the property where your RV is parked.
Example:A shared picnic area in your RV park is damaged in a windstorm. The RV association is billing the repair cost to the RV owners that live in the park. Your loss assessment coverage can help pay for the repairs, up to $5,000.
Get more information about RV insurance coverages.
Do you need RV full-time insurance?
While full-timers coverages aren't required by law, safeguarding your assets can be critical if your motorhome or travel trailer is your permanent residence. Full-timers coverage can protect your wallet while your RV is parked and you're liable for injuries or damaged property.
How much does full time RV insurance cost?
Even the best RV insurance for full timers can be affordable. Your actual cost for adding these additional coverages varies based on your selection, coverage limit, and RV insurance company.
Find out more about what impacts the cost of RV insurance.
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