A Full-Time RV Lifestyle Requires Proper Insurance

Posted on: 15 March 2021


One of the awesome things about owning an RV is the fact that not only is it a great option for family vacations, but it also serves as a place you can call home. Should you decide to live a life of travel and adventure full time in your RV, there are some things you want to do first. One of these things is to ensure your RV is properly insured; learn how.

Personal Property Inclusion

Living in an RV means that you do not have homeowners or renter's insurance. The problem this issue could present is that these policies are the ones that cover the cost of your belongings, such as a stolen or damaged laptop, in the event of a vehicle accident or break-in. 

The reason it is so important to remember this is that a standard RV policy does not typically cover personal property inclusion. If you intend to live in your RV full-time and house all your personal belongings inside, you need to add a personal property inclusion to the policy to be confident your belongings are protected. 

Notification of Plans

Insurance companies ask questions for a very important reason — they need to be certain they can insure you. For this reason, when the insurance company asks you how much time you plan to spend in the vehicle, you need to be honest and say that it will be your permanent residence.

Not every insurance company extends coverage for people who use the vehicle as their primary residence. Fortunately, you can often avoid this issue by looking into an insurance company that offers a lot of options for RV insurance. 

Personal Liability Protection

Another extension of homeowners and renter's insurance is personal liability protection. This form of protection should not be confused with the liability protection that comes standard with many auto policies and protects you when you are at fault for a vehicle accident.

For a person who uses their RV as a residence and hosts people over, this protection is important in the event someone is hurt and files a suit against you. For instance, if a guest were to fall down the steps and hurt themselves and filed a suit against you, personal liability protection helps cover some, if not all, of the expenses associated with this legal challenge.

Insurance is especially important when it comes to your RV, as it is an important means of protection. Speak with an agent to ensure your RV is insured correctly and see if they have brand-specific policies like Airstream RV insurance