Full-time vs. Part-Time RV Insurance: Which Is Right for You

Choosing between full-time and part-time recreational vehicle (RV) insurance depends on how you plan to use your recreational vehicle. Understanding the differences between these two types of coverage can help you make an informed decision.

Full-time RV Insurance

Full-time RV insurance is designed for those who live in their RV for extended periods, typically more than six months a year. This type of insurance offers coverage similar to a homeowners policy. It typically includes personal liability protection, which covers you if someone is injured in or around your RV even when parked, and medical payments coverage for injuries that occur near your vehicle. Additionally, full-time RV insurance often includes loss assessment coverage.

Part-time RV Insurance

Part-time RV insurance, on the other hand, is suitable for those who use their RV occasionally, such as for vacations or weekend trips. This insurance typically covers general liability, physical damage and personal effects inside the RV. Part-time RV insurance is generally more flexible and budget-friendly, making it ideal for those who do not use their RV as a primary residence.

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When deciding which type of insurance is right for you, consider how often you use your RV and for what purposes. If you spend a significant amount of time in your RV and treat it as your home, full-time RV insurance is likely the better option. However, if your RV is primarily for recreational use, part-time insurance may suffice. For RV insurance near you, contact A-Able Auto Insurance Agency.

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.