The insurance plan you need for full-time RVers is more comprehensive than the one you need for part-time RVers. It doesn’t matter if you use your RV every weekend or 365 days a year. If you plan on living full-time in your RV instead of part-time, you’ll have different insurance needs.
RV policies cover the same things as auto policies, such as liability coverage for bodily injury and property damage, and uninsured motorist coverage. Since an RV is also a home, a full-timer will want their insurance to protect it from the road’s risks. If your RV gets lost, stolen, or damaged, your personal effects will be replaced. Your RV can be replaced or reimbursed for its value if it’s damaged or destroyed. Full-timers will also probably find it useful to add emergency expenses coverage to their policy. In case your RV gets damaged, you’ll get things like accommodations and meals.
Roadside assistance is usually included in RV insurance policies. This policy may cover breakdowns, fuel shortages, or other problems on the road, so you can get help and get home. Part-time RV insurance covers most of these things too. It’s just that full-timers value this cover much more, and they usually have higher limits for it as well. As a result, full-time RVers pay higher RV insurance premiums than part-timers. Full-timers need extra coverage, so it’s worth it.