RVers who live full-time in their RVs will need a more comprehensive insurance plan than those who do so part-time. RVs should be insured whether they are used 365 days a year or just a few weekends each year. You will have different insurance needs than those living part-time in their RVs if you plan on living in it full-time as opposed to part-time.
The coverage provided by an RV insurance policy is the same as that provided by an auto policy, such as liability coverage for bodily injury and property damage, as well as uninsured motorist coverage. A full-timer is going to want their RV to be protected from the risks of the road by their insurance because their RV is also their home. A personal effects replacement policy, for instance, will replace the personal belongings inside your RV in the event it is lost, stolen, or damaged. In the event that your RV is damaged or destroyed, total loss replacement insurance is available to replace it or to reimburse you for its value. Adding emergency expense coverage to your policy is also an option full-timers will likely find useful. The type of coverage you have will provide you with things like accommodations and meals if something happens to your RV.
Additionally, RV insurance policies usually include roadside assistance. A breakdown, lack of fuel, or other problems on the road may be covered by this policy which will enable you to get assistance and get back on the road. Many of these coverages are also included in part-time RV insurance policies. But the key difference between full-timers and others is that the importance of this cover is much higher for them, and they will typically have higher limits for it as well. It is therefore apparent that RV insurance premiums for full-time RV owners are higher than those for part-time RV owners. You will need extra coverage as a full-timer, so it’s worth paying that extra amount.