Full-Time vs. Part-Time RV Coverage: Which One Do You Need?

Insurance needs can vary among Oklahoma recreational vehicle (RV) owners, depending on their travel habits and lifestyles. As you evaluate coverage, our team at Best Insurance, Inc can help you decide whether full-time or part-time RV coverage is the right fit.

Understanding RV Insurance

Standard coverage is designed for part-time RV users who primarily live in a traditional home and use their RV for vacations or short trips for less than 6 months a year. This type of policy often includes:

• Collision coverage can help pay for repairs if your RV is damaged in an accident with another vehicle or object.
• Comprehensive coverage may include damage from theft, vandalism, fire or severe weather.
• Liability coverage may offset costs if you’re found at fault for injuries or property damage to others while operating your RV.
• Roadside assistance coverage may help with towing or breakdown services while traveling.

The Shift to Full-Time RV Coverage

If you live in your RV more than six months a year, a standard policy may not be enough. Full-time RV insurance bridges the gap between auto and homeowners coverage. It may address those gaps, including full-timer’s liability, which may cover injuries at your campsite or inside your parked RV, where standard policies may provide limited coverage.

Key Differences to Consider

Two coverages often set full-time RV policies apart from standard ones:

• Loss assessment coverage may apply to charges for damage to common areas if you live in a park or community with an association.
• Storage shed coverage often extends to belongings stored outside the RV, which can be useful for full-timers with limited onboard space.

Learn More

Contact Best Insurance, Inc today to discuss your options and get a free custom quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.