Full-time RV living is a lifestyle choice that offers freedom and adventure. It involves residing in a recreational vehicle (RV) on a full-time basis, using it as your primary residence. For those who embrace this lifestyle, having the right insurance coverage is essential. Full-time RV insurance provides the protection needed for both the vehicle and the unique risks associated with living on the road.
Understanding Full-Time RV Insurance
What is Full-Time RV Insurance
Full-time RV insurance is a specialized type of insurance policy designed for individuals who use their RV as their primary residence. Unlike standard RV insurance, which typically covers recreational use, full-time RV insurance provides additional coverage similar to homeowners insurance. This includes protection for personal belongings, liability coverage, and additional living expenses if the RV becomes uninhabitable.
Why Full-Time RV Insurance is Important
Living in an RV full-time comes with unique risks and responsibilities. Standard RV insurance may not offer adequate protection for those who live in their vehicle year-round. Full-time RV insurance addresses these needs by providing comprehensive coverage that includes:
Personal Belongings: Protection for the contents of your RV, similar to homeowners or renters insurance.
Liability Coverage: Protection against claims or lawsuits resulting from injuries or damages occurring in or around your RV.
Emergency Expenses: Coverage for additional living expenses if your RV is damaged and you need temporary housing.
Medical Payments: Coverage for medical expenses for injuries sustained in or around your RV.
Top Providers of Full-Time RV Insurance
1. Progressive
Overview of Progressive
Progressive is one of the leading providers of full-time RV insurance. Known for its wide range of insurance products, Progressive offers comprehensive coverage options tailored for full-time RVers.
Coverage Options
Full Replacement Cost: Coverage for the full replacement cost of your RV, regardless of depreciation.
Personal Effects: Coverage for personal belongings inside the RV.
Liability Protection: Bodily injury and property damage liability coverage.
Vacation Liability: Coverage for injuries or damages occurring while the RV is parked and used as a temporary residence.
Emergency Expense Allowance: Coverage for temporary living expenses if your RV becomes uninhabitable.
Additional Benefits
24/7 Roadside Assistance: Help with towing, tire changes, and other roadside issues.
Pet Injury Coverage: Protection for pets traveling in your RV.
Custom Equipment Coverage: Protection for customizations and add-ons.
2. National General
Overview of National General
National General specializes in RV insurance and offers policies designed specifically for full-time RVers. With a focus on customer service and tailored coverage, National General is a popular choice among RV enthusiasts.
Coverage Options
Replacement Cost Coverage: Full replacement value coverage for new RVs.
Personal Property Protection: Coverage for personal items inside the RV.
Liability Coverage: Protection against liability claims and lawsuits.
Full-Timer’s Coverage: Additional coverage similar to homeowners insurance, including medical payments and emergency expenses.
Storage Option: Reduced rates when the RV is in storage and not in use.
Additional Benefits
Roadside Assistance: Comprehensive roadside assistance services.
RV Service Network: Access to a network of RV repair facilities.
Discounts: Various discounts, including multi-policy and safe driver discounts.
3. Good Sam Insurance Agency
Overview of Good Sam Insurance Agency
Good Sam Insurance Agency partners with top-rated insurers to provide full-time RV insurance. Known for its extensive network and customer-focused approach, Good Sam offers competitive rates and comprehensive coverage.
Coverage Options
Total Loss Replacement: Replacement of your RV with a new one if it’s totaled within the first five years.
Personal Belongings Coverage: Protection for personal items inside the RV.
Liability Insurance: Coverage for bodily injury and property damage liability.
Full-Timer’s Package: Coverage for those who use their RV as a primary residence, including liability and medical payments.
Emergency Expense Allowance: Coverage for temporary living expenses.
Additional Benefits
24/7 Roadside Assistance: Nationwide roadside assistance services.
Full-Timer Discounts: Special discounts for full-time RVers.
Repair Network: Access to a network of approved RV repair shops.
4. Farmers Insurance
Overview of Farmers Insurance
Farmers Insurance offers a range of insurance products, including specialized coverage for full-time RVers. With a reputation for customer service and customizable policies, Farmers is a reliable choice for RV insurance.
Coverage Options
Comprehensive and Collision: Coverage for damage to your RV from accidents, theft, and other perils.
Personal Property: Protection for belongings inside the RV.
Liability Coverage: Coverage for bodily injury and property damage liability.
Full-Timer’s Coverage: Enhanced coverage for those living in their RV full-time, including personal liability and medical payments.
Emergency Expenses: Coverage for temporary living costs if your RV becomes uninhabitable.
Additional Benefits
Roadside Assistance: Assistance with towing, tire changes, and more.
Glass Replacement: Coverage for windshield and window repair or replacement.
Customizable Policies: Options to tailor coverage to your specific needs.
5. Allstate
Overview of Allstate
Allstate is a well-known insurance provider offering comprehensive RV insurance options. With flexible coverage plans and a strong focus on customer satisfaction, Allstate is a popular choice for full-time RVers.
Coverage Options
Comprehensive Coverage: Protection against a wide range of risks, including theft and natural disasters.
Personal Property Coverage: Coverage for items inside your RV.
Liability Insurance: Coverage for injuries or damages to others.
Full-Timer’s Package: Specialized coverage for those living in their RV full-time, including liability and medical payments.
Emergency Assistance: Coverage for temporary living expenses if your RV is damaged.
Additional Benefits
24/7 Roadside Assistance: Help with breakdowns and other roadside issues.
Accident Forgiveness: Your rates won’t increase after your first accident.
Custom Equipment Coverage: Protection for customized parts and equipment.
see also: Is RV Gap Insurance Worth It?
Choosing the Right Full-Time RV Insurance
Assessing Your Needs
When selecting full-time RV insurance, it’s important to assess your individual needs and circumstances. Consider factors such as the value of your RV, the contents you carry, and the amount of time you spend on the road. Make a list of the coverage options that are most important to you, such as liability limits, personal property protection, and emergency expenses.
Comparing Providers
Compare quotes and coverage options from multiple providers to find the best fit for your needs. Look for comprehensive coverage that offers the protection you need without unnecessary add-ons. Pay attention to the details of each policy, including deductibles, coverage limits, and exclusions.
Evaluating Customer Service
Customer service is an important aspect of any insurance policy. Look for providers with a strong reputation for customer service and claims handling. Read reviews and ask for recommendations from fellow RVers to get a sense of each company’s strengths and weaknesses.
Considering Discounts and Bundles
Many insurance providers offer discounts for full-time RVers, such as multi-policy discounts, safe driver discounts, and discounts for installing safety devices. Consider bundling your RV insurance with other policies, such as auto or homeowners insurance, to take advantage of additional savings.
Understanding Policy Terms
Before purchasing a policy, make sure you understand the terms and conditions. Pay attention to coverage limits, deductibles, and any exclusions or limitations that may apply. Ask your insurance agent to clarify any points you don’t understand.
Conclusion
Full-time RV insurance is essential for those who live in their RVs year-round. It provides comprehensive coverage for both the vehicle and the unique risks associated with full-time RV living. Providers like Progressive, National General, Good Sam Insurance Agency, Farmers Insurance, and Allstate offer specialized policies tailored to the needs of full-time RVers.
When choosing full-time RV insurance, it’s important to assess your individual needs, compare quotes and coverage options, evaluate customer service, consider discounts and bundles, and understand the terms of the policy. By taking these steps, you can find the right coverage to protect your investment and enjoy the freedom and adventure of full-time RV living with peace of mind.
Investing in full-time RV insurance ensures that you have the protection you need to handle unexpected situations, whether it’s a roadside breakdown, an accident, or a natural disaster. With the right policy in place, you can focus on the joys of RV living, knowing that you’re covered against the risks and challenges that come with life on the road.
