Are You a Full-Time RVer Without Realizing It? You Might Be Underinsured without full time RV insurance.

Are You a Full-Time RVer Without Realizing It? You Might Be Underinsured.

If you’re living the RV life more than just a few weekends a year, there’s a chance you’ve crossed into full-time territory — even if you don’t call yourself a “full-timer.”

The problem? Your insurance company does care about the difference.

“Full-Time” Means More Than You Think

Many RVers assume full-timers are people who:

• Sold their house

• Gave up their mailing address

• Live in the RV 365 days a year

But that’s not how insurance companies define it.

If any of the following apply, you might qualify as a full-time RVer in their eyes:

• You live in your RV 150 nights or more per year

• You don’t own or rent another residence

• You stay parked in campgrounds, RV parks, or on land for long periods

• You use your RV as your primary mailing address or home base

  
  

Why It Matters: Risk & Responsibility

Most auto insurance companies (or basic RV policies) assume your RV is just used for occasional trips.

That means they may deny claims involving:

• Personal liability (someone trips at your site)

• Damage while parked long-term

• Stolen property from inside your RV

• Medical payments to others

• Alternative living arrangements if your RV is totaled

It’s not about the number of wheels — it’s about how you use your RV.

What Is Full-Time RV Insurance?

Full-time RV insurance is designed for people who live in their RV — even part of the year — as their main residence. It combines elements of auto and homeowners coverage to protect:

• Your liability (in case someone gets injured near or inside your RV)

• Your belongings inside the RV

• Your rig, even when parked long-term

• Emergency expenses, like hotel stays if your RV becomes unlivable

One Claim Can Reveal Everything

Let’s say you file a claim and the insurance adjuster asks where you live.

If the answer is “in the RV,” but your policy says you’re a part-time user, that’s a red flag — and a potential claim denial. Many people don’t even realize they were misclassified until it’s too late.

Don’t Risk It — Know for Sure

We help full-time RVers (and folks who didn’t even know they counted as full-timers) get the right coverage.

If you’re not sure whether your current policy matches your RV lifestyle, we’ll review it and give you honest advice — no pressure.

Get the Right Coverage Today

We specialize in full-time RV insurance for people who travel, live, or winter in their RVs full-time or most of the year.

to request a free quote or call us at 800-507-8467.

Better coverage. No surprises. Peace of mind for the road ahead.