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Full Timers Recreational Vehicle Insurance

Posted on 18 July 2011

Full timers recreational vehicle insurance provides the level of protection for those that have chosen to explore the open road year round. Living in an RV 12 months of the year is becoming increasingly popular for many that yearn to explore this great country of ours, but it brings its own set of problems, including insurance coverage. Full time recreational vehicle insurance is tailor made to those that make their motorhome, travel trailer, or fifth wheel their primary residence, and is more comprehensive than a traditional RV policy.

Hitting the road full time is a dream of many people - both those that have spent years camping, and those that are new to the RV lifestyle. Typically, a recreational vehicle owner has a permanent stick-built residence, such as a house or condo, that is covered by a homeowners policy. This policy provides certain protection that are extended to the policy holder even when they are out on the road in their RV. However, once someone decides to go RVing full time, they typically sell their stick built residence and no longer have homeowners insurance, leaving themselves with a coverage gap.

Full time insurance for motorhomes, travel trailers and fifth wheels differs from a typical RV insurance policy in that it offers certain coverages that otherwise might be had through a homeowners policy. These coverages include:

  • Liability protection - You can be held liable for your personal actions that cause injury or damage to a third party, or their property. Liability coverage is important to carry, at sufficient limits to cover your net worth, in case you find yourself on the wrong end of a liability lawsuit.
  • Personal property - A full time RV policy provides protection for your personal property that is carried in your recreational vehicle. Since you don’t have this protection through a homeowners policy, it is vital to have sufficient coverage for the items that you carry with you on your travels.
  • Personal item storage - When making the transition from living in a stick built house to living in an RV full time, you most likely will have personal items that need to go into a storage unit because they won’t fit in your rig. The personal item storage provision of your policy provides coverage for these items.

There are other coverage types that might be applicable to those living in an RV full time. Consult with a knowledgeable insurance agent to discuss your needs and ensure that there are no coverage gaps once you hit the road full time.

While exploring the nation on a full time basis, you are relying on your rig to provide sleeping quarters and to get you down the road. Any mechanical failure or problem can really put a kink in your plans, and needs to be addressed ASAP so that you don’t loose use of your rolling home. This is why it is a good idea to have an extended RV warranty in place - to help pay for the mechanical breakdown of your rig.

An extended RV warranty provides coverage for most of your motorhome or trailers mechanical systems, and helps pay for the quick repair of your rig should you have a mechanical failure. There is nothing worse than relying on your RV to house you and your significant other, or family, only to have a mechanical failure cause you to lose use of it. Have an extended RV warranty to help get you back on the road should something fail with your rig.

When you are relying on your motorhome or trailer to be your primary residence, you have to make sure that you have the right types of insurance coverage in place. Unlike those that just use their rigs on an occasional basis to go on vacation, full timers are in a unique position that requires a different level of coverage. Make sure you and your rig are properly insured to avoid any hassles down the road!

Category : Vehicle Insurance

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