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.
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, email@example.com