Full Time RV insurance
How does full-time RV insurance work?
Full-time RV insurance is designed for people who use their RV as a primary residence for at least six months out of the year. It provides a range of RV-specific coverages that cater to the unique needs of full-time RVers, insuring against injury and property damage incidents while living on the road.
Customize your full-time RV insurance.
At the Good Sam Insurance Agency, we offer the extra protection you need when residing in your RV full-time. With RV full-timer policies that include the coverages below and more, you can travel confidently, knowing you have robust protection for your home on wheels.
- Personal liability for full-timers – Safeguards you against property damage or bodily injuries you’re responsible for inside or near your parked RV.
- Medical payments coverage – Provides financial assistance for medical expenses to those injured while visiting your RV or the property around it.
- Loss assessment coverage – Compensates you for fees charged by an RV association to pay for repairs to other parts of the property, including common areas where your RV is parked.
- Emergency expense allowance – Reimburses your food, transportation, and lodging costs while your covered home on wheels is being repaired.
Benefits of full-time RV insurance
With full-time RV insurance, you can rest assured that you’re financially protected with benefits tailored to long-term living wherever you roam.
Financial protection on the road
Full-timer coverages can be customized to your RV type. From a policy that meets your state's liability insurance requirements for a motorized RV to one suited for a travel trailer, we can ensure that you have the financial protection you need on the road.
Coverage for accidents and emergencies
RV accidents and emergencies can happen unexpectedly. Whether your dog accidentally bites a guest, you back your RV into a tree, someone slips and breaks an arm inside your RV, your awning gets damaged in a storm, or a burglar steals your stuff, your full-timer policy could help pay for the loss covered by your policy.
Peace of mind for full-time RVers
RVs can be costly, ranging from tens to hundreds of thousands of dollars, so protecting your investment with the proper coverage is crucial. Out on the open road, adventuring into the unknown, it’s impossible to predict what could happen. With full-time RV insurance, you can have peace of mind that you'll receive help paying for any covered incidents that may occur.
What is the cost of insurance for full-time RV coverage?
Full-time RV insurance policies provide comparable coverage options to regular RV insurance but with added protections. These policies often have higher limits and include a homeowner-like package covering personal liability and medical payments. Given the extra benefits, full-timer policies generally have higher premiums than a standard policy, ranging from a few hundred to several thousand dollars annually. Though it may cost more, full-timer coverage is worth the investment for those using their RV as their main residence.
Factors to consider when choosing full-time RV insurance
Several things can affect your coverage options and the price of your policy, including:
- Your RV type and value
- Geographic coverage and where your RV is registered
- Deductibles and premiums you choose
Get the full-time RV insurance that best fits your needs today.
At the Good Sam Insurance Agency, we understand the intricacies of living on the road and are familiar with how to handle the kind of issues that only full-timers experience. So, make sure you have the best full-time RV Insurance that can go the distance with you. :
We offer comprehensive coverage specifically for full-timers, which includes higher limits, more extensive protection, and additional benefits not included in part-time policies. Our trained and knowledgeable agents are here to answer any questions about your coverage and review discounts you may be eligible for. Ultimately, the full-time RV insurance policy that’s best for you is one that provides the protection you need at a price you can afford, and we're here to help you find it.
How to get a full-time RV insurance quote
Call 1-888-514-1116 or get an RV insurance quote online for full-timers coverage from the Good Sam Insurance Agency today and have this information ready:
- Your current RV insurance policy if you have one.
- A driver's license number for each person that will be included on your policy.
- A VIN (Vehicle Identification Number) for each vehicle that will be on the policy,
- The lienholder's name and address if the vehicle is leased or financed.
- Specifics about the RV you wish to insure.
- A major credit or debit card for when you are ready to buy.