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The best RV insurance for full-timers

Living on the road is a decision full of adventure and new experiences. If you’ve invested time, money, and love into your RV and want to make it your full-time home, you have a lot of fun and travel to look forward to! 

However, becoming a full-time RVer also means that it is even more important than ever to have a fully insured RV. Being a full-time RVer means that your rig is more than just your vehicle for recreation— it’s also your home. Accidents happen when you least expect them, so it’s always important to be prepared by having RV insurance that’ll have your back.

In this article, we’ll break down what you need to know about the best RV insurance for full-timers and what that means for you.

Couple sitting by their camper

Couple sitting by their camper

Image via Unsplash

What it means to be a full-time RVer

If you live in your RV for at least 6 months in a year, you’re considered a full-timer. Being a full-timer comes with many benefits, including:

  1. Independence: Out on the road, the world is your oyster and it’s up to you to choose where you want to go and what you want to do next! As long as you have the right supplies for your destination, you’re free to do as you please. 

  2. Cost: Whereas a house will have you paying for things like a mortgage, utilities, HOA fees, and furnishings, an RV will be far less expensive to live in and take care of. Everything from the initial purchase cost to the costs of insurance and upkeep will be cheaper in a motorhome.

  3. Adventure: When you live in an RV, every single day can be a grand new experience if you so choose. You can travel across the country and see sights that most don’t get to visit so easily. Your daily activities are totally up to you as well, from stopping at a national park for a hike to eating at the finest local restaurant.

While it can be an excellent idea to live in your RV full-time, you should also be aware of the potential mishaps that may arise. Though we certainly hope they never occur, accidents happen. And the more you’re on the road, the more likely you are to be involved in one. For full-timers, it’s a necessity to have the proper insurance for your RV lifestyle.


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Why you should get full-time RV insurance

It’s always wise to insure your RV, and, in most states, it’s legally required for you to have a minimum level of liability coverage. 

However, there are several policies that you can purchase that offer higher levels of coverage than your basic liability policies. One of the most robust of these policies is full-time coverage.

When you live in your RV full-time, it is more than fun on wheels— it’s where you sleep, eat, and live. And your home should be protected against all that nature, weather, and the road can throw at you. 

Airstream in the mountains

Airstream in the mountains

Image via Unsplash

What does full-time RV insurance cover?

If you live in your RV full-time, you’re driving it and using its functionalities a lot more than most people who just take their RVs out a couple of times a year for vacations. 

This means you’re much more likely to run into some sort of issue down the road, whether it’s a collision, a storm wrecking some of your RV equipment, or anything in between. You don’t know what’ll happen while you live in your RV, and you want to be prepared for everything. 

Here are some key situations that are somewhat common among RV full-timers that you should have full-time coverage for:

  1. Inclement weather destroys part of your RV, like your roof, windows, or deck

  2. A guest of yours gets injured in or around your RV, leaving you legally liable for their injury

  3. You’re staying in an RV park and the homeowners' association hits you with fines for repairs to the site

  4. Something happens to your RV that makes it unlivable for a period of time

These are just a few examples of unfortunate incidents that may occur while you live in your RV, and you really don’t want to face them alone. 

Full-time insurance may seem like an upfront premium that you don’t want to factor into your budget, but think about it this way: if you’re spending enough time in your RV that you use it for daily function, wouldn’t it be great to not have to worry about these big issues that can arise? 

The best RV insurance for full-timers will help you pay for these obstacles that you can encounter, paying for itself in no time.


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The best RV insurance for full-timers

There’s a number of RV insurance options available out there with different price tags, offering different amounts of coverage. This can be daunting to sort through— but fret not. Here are some specific offerings and benefits that you should look for with full-time RV insurance:

  1. Vacation liability: This will help you pay for any damage to someone’s property outside of your RV or injury to a guest.

  2. Personal property coverage: If something happens to your personal belongings, this coverage helps to pay for replacements.

  3. Scheduled medical payments: Scheduled medical payments coverage extends bodily injury coverage. In an accident, an injured passenger’s medical bills will be covered, regardless of who is at fault. Additionally, this coverage will help cover costs if someone is injured inside or around the RV while it’s parked.  

  4. Loss assessment: Loss assessment covers HOA fees for repairs to your RV site.

  5. Emergency expenses coverage: If your RV becomes uninhabitable for whatever reason, this coverage helps you pay for temporary housing.

  6. Adjacent structures coverage: This insures standalone structures at your motorhome site such as sheds, decks, porches, or carports.

  7. Debris removal: Should you get in an accident, this policy will help clear out leftover rubble and debris.

Luckily, you can find all of this and more with Roamly’s full-time insurance. Roamly will give you complete coverage for your motorhome lifestyle, including liability, comprehensive, collision, medical payments, and underinsured motorist coverage to start.


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Hit the road

At the end of the day, good full-time RV insurance will make your life easier. In the event of an unpleasant surprise, it’ll take care of you without breaking your bank, allowing you to head to your next destination in peace. Roamly’s full-timer's package is the ultimate example of this coverage and should be your first stop when shopping for RV insurance!

Cover image via Unsplash

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Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.

Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Safeco Insurance, Foremost Insurance Company, National General Insurance, Allstate Insurance Company, Mobilitas Insurance Company, HIPPO Insurance Services, Lyndon Southern Insurance Company and others.

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