What Insurance Covers Full Time RV Living?

A recent trend is people selling their home and moving into an RV of some kind, then taking their lives on the road. This is an exciting adventure, but there are several coverages on an RV policy that require your attention if you abandon your home or apartment as your place of abode. The first is covering your stuff, like computers, other electronic devices, and clothing. The standard RV policy might have minimal coverage for these items so if you want it all to be covered in the event it is stolen, damaged in an accident, or other mishap, you will need to make certain you have enough Personal Property coverage.

You also need to make clear to your agent that you plan to live in the RV rather than using it occasionally for a vacation. This is a little different exposure and you don’t want a claim denied based on a misrepresentation of the RV’s use. By rating the RV as a live in, this opens up the availability of Personal Liability and Medical Payments coverage which are common coverage on a Homeowners or Renters policy. There are events which can happen when the RV is stationary that you could be liable for, so these coverages would protect you financially.
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So, if you’re taking your life on the road and have questions about protecting yourself, call me, (805)985-5488 or shoot me an email, joliver@farmersagent.com