Do You Need Full-Time RV Insurance?

If your RV is your primary residence, you may have different insurance needs than someone who uses their vehicle only for short trips. At Davis Insurance Group, we help RV owners navigate the coverage options available for full-time RV living.

What’s the Difference Between Standard and Full-Time RV Insurance?

Standard RV insurance is typically recommended for occasional RV users. This type of policy typically covers:

• Damage caused by accidents, fire, natural disasters, theft and vandalism
• Third-party property damage or bodily injuries
• Personal belongings inside the RV, up to policy limits

On the other hand, full-time RV insurance is tailored for those who use their RV as a primary residence. It often includes:

• Higher third-party liability limits
• Coverage for personal property and attached accessories
• Medical expenses coverage for bodily injuries that occur in or around your RV while parked
• Additional living expenses if your RV becomes uninhabitable due to a covered loss

When Is Full-Time RV Insurance Necessary?

You may need full-time RV insurance if:

• Your RV is your main home for six months or more each year
• You have a permanent or semi-permanent campsite
• You receive mail, pay bills or register to vote using your RV’s address

How Our Team Helps North Carolina RV Owners

Choosing the right RV insurance can be complex, especially with the needs of full-time RV living. Our team will work with you to:

• Assess your living situation and coverage needs
• Compare full-time and standard RV insurance options
• Find policies that fit your budget and lifestyle
• Answer your questions about local RV insurance regulations

Contact our team today to discuss your options and get a personalized 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.