When choosing an RV insurance policy, it is important to look at how often you plan to use your RV. Full time RV users are going to have different needs than someone who only uses their RV once in a while. All policies are different and it’s important that you know what each type of policy will cover.
The first thing to understand: what qualifies as full-time or part-time usage? Insurance companies determine this classification by the number of days during the course of the year you use the RV (driving or using it as a residence). The number of days before classifying usage as full-time can vary by company, but the general rule is 150 days.
True RV policies, even if they are used only part time should feature some ‘extra coverages.’ Outside general liabilities (for motorized RVs) and physical damage coverage, an RV policy should include:
- Vacation Liability: Liability that covers you when you are parked at a campsite.
- Emergency Expense: This can vary by carrier, but this coverage provides lodging and meals when an insured is unable to use their RV due to a covered peril.
- Personal Effects: Any items you bring into the RV to use it as a temporary residence. If you took your RV and turned it upside down, anything that would come loose would likely be a ‘personal effect’.
- Roadside or Towing: This coverage is optional, but most companies offer an option for towing, fuel delivery, and key lockout.
Full-time policies offer coverages that are more similar to a homeowner’s policy; they offer more comprehensive liability options. Some coverages you may see as a part of a full-time policy include:
- Full-Timer’s Liability: Like vacation liability, but it is more comprehensive personal liability.
- Emergency Expense: Features higher limits when placed on a full-time policy, as it is your home!
- Secured Personal Effects: Coverage for belongings that are kept in a commercial storage facility.
- Scheduled Personal Effects: Coverage for ‘high-dollar’ items that are kept in the RV.
- Personal Effects: Any items you keep or use in the RV (pots/pans, dishes, bedding, clothing, etc). With full-time usage, the amount of coverage should be higher as it acts as your primary residence.
Keep in mind that all insurance policy details vary by carrier; the information provided above is a brief overview of various aspects of RV insurance – specific questions about your policy should be directed to your servicing agent.