What is full-time RV insurance?
Full-time RV insurance is an optional coverage that provides protection for those who use their RV as their permanent residence — typically defined as residing in a motorhome or travel trailer more than six months out of the year. With full-timers insurance, you’re covered against liabilities, injuries, and certain losses that occur around your RV.
What is the difference between part-time and full-time RV insurance coverage?
A part-time or recreational RV insurance policy typically comes with the option of vacation liability coverage, which covers you for injuries or damages that occur in or around your RV during short trips. With full-time RV insurance, you receive broader liability coverages in order to protect you for a longer period of time. These coverages typically include:
Personal liability: Pays for property damage and injuries you’re responsible for due to an accident while parked.
Medical payments: Covers medical expenses for those who are injured while near or in your RV.
Loss assessment: Pays for fees charged by an association to cover repairs to common areas or other parts of the property where your RV is parked.