MONDAY, JANUARY 15, 2024
In recent years, the allure of a nomadic lifestyle has driven an increasing number of individuals to embrace the freedom of full-time RV living. For those who have chosen to make their recreational vehicle (RV) their permanent residence, it’s crucial to recognize the unique insurance needs of this unconventional lifestyle.
What Insurance Do Full-time RV Residents Need? 
Traditional auto insurance should not be relied on to provide adequate coverage for RV owners, especially for those who use their vehicles as full-time residences. Even in the context of other RV enthusiasts, transitioning to a full-time RV lifestyle means your insurance requirements evolve beyond standard coverage.
Consider the following options and features that may be needed by those using an RV as their primary residence:
- Full-time RV insurance—Full-time RV residents may face unique liability challenges. Adequate full-time coverage may not only financially protect against bodily injury and property damage claims arising from accidents on the road, but it can also account for incidents involving third parties that may occur while parked, such as at campsites.
- Emergency expenses coverage—Living on the road may expose RV owners to unique risks, including breakdowns or accidents in unfamiliar locations. Emergency expense coverage can help cover the costs of temporary accommodations, transportation and meals if an RV becomes uninhabitable due to a covered incident.
- Coverage for customizations—Many full-time RV residents may enjoy personalizing their vehicles to suit their needs; this may include solar panels, satellite dishes or other customizations. These modifications represent significant investments, requiring owners to prioritize appropriate coverage.
- Medical payments coverage—Given the mobile nature of full-time RV living, medical payments coverage is crucial. This coverage can help pay for medical expenses for RV owners and their passengers if they are injured in an accident, regardless of who was at fault.
These are only some insurance options to consider as a full-time RV enthusiast. Your agent can discuss additional coverage details that may suit your needs.
We’re Here to Help
Since 1986, the Schaffner Insurance Agency has dedicated itself to helping motorists, homeowners, businesses and families assess and address their coverage needs. This commitment includes extensive knowledge regarding various RV insurance options. Contact us today to learn more or to 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.
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