So, you live full time in your RV and you decided that since your RV Travel Trailer is not being towed down the road any longer you don’t need insurance. Well, you might think again.  Lots of things can/do happen to RV's while parked at an RV park.  Fire, tornado, vandalism, theft of contents, theft of the entire RV, falling trees, hail, high winds are just a few of the common type losses.

Many insurance companies that specialize in writing coverage for RV’s have policies and endorsements specifically designed to cover your RV, that you use as a full-time residence. Some of the coverage enhancements you can purchase are:

 -Other than Collision: This type of coverage can cover things that can/do happen to RV’s more or less permanently parked. Things like a permanently attached structure, such as a porch, that collapses due to the weight of the ice/snow can be included. How about a fire like the one in California recently!  How about a large tree, pushed over by high winds, causing so much damage your RV is not livable?

-Personal property: Have you ever thought about how much more valuable the contents of an RV that is lived in full time verses one used only a couple weekends a year? Make sure you purchase a sufficient limit of coverage and some carriers will even offer replacement costs valuation.  Remember, individuals that use their RV just for vacations, and have a homeowners insurance policy in their name, may have coverage for the contents of their RV via an extension of coverage on their homeowners policy (still likely subject to a high deductible).  Therefore, most people that live in an RV full time need a comprehensive insurance policy to protect their assets.

-Extended Liability Coverage for “full-time” RVers: This endorsement extends many of the liability coverages that might be found in a typical homeowners policy. Last but not least, if you live in a park model RV some insurance carriers actually offer policies that would be used for mobile homes. Many times these policies can be more affordable, and provide more coverage, than an RV policy because the carriers know the structure will seldom (if ever) be out on a road. 

Bottomline, get an insurance quote from an agent or company that will sell you the comprehensive policy you need for your RV…not one that saves you money. With insurance, costs and coverge are directly proportional. Meaning the less the policy costs….likely LESS is the coverage afforded.