Why Your Auto Insurance Isn’t Enough When You Live in Your RV Full Time

🚐 Why Your Auto Insurance Isn’t Enough When You Live in Your RV Full Time

Most full-time RVers don’t realize they’re underinsured — until it’s too late.

Let's change that.

Meet Dave and Lisa

They sold their home, hit the road in their Class A motorhome, and embraced the RV lifestyle. Life was amazing — until one night their RV was broken into at a campground. The worst part? Their auto insurance denied the claim. Why? Because they were living in their RV full time… and their policy wasn’t designed for that.

❌ Auto Insurance Isn’t Designed for Living in Your RV

When you insure your RV through your car insurance provider, you’re often getting vehicle coverage — not residential coverage.

That means you could be missing out on:

• Personal liability protection (what if someone trips at your campsite and sues you?)

• Personal belongings coverage (think laptops, tools, kitchen gear)

• Emergency expense coverage (where will you stay if your RV is in the shop?)

• Full-time living protections (because it’s not just a vehicle — it’s your home)

🔍 “But I Have Full Coverage…”

That’s a common phrase — but in this case, it’s misleading. Full coverage on an auto policy usually means:

• Liability coverage

• Collision

• Comprehensive

But it does not mean:

• Dwelling-style protection

• Loss-of-use coverage

• Medical payments to others

• Special full-time liability for living in the unit

✅ What Full-Time RV Insurance Actually Covers

If you live in your RV 150+ nights per year or use it as your primary residence, you need coverage that works like a blend of auto insurance + homeowners insurance. That includes:

• Higher liability limits

• Medical payments to others if they’re hurt at your campsite

• Coverage for personal items inside the RV

• Coverage when you’re parked long-term at a park, campground, or boondocking

• Alternative living expense coverage if your RV is totaled or unlivable

⚠️ One Claim Could Change Everything

RV living is freedom — but the wrong policy can ruin it all. If your current policy isn’t designed for full-timers, your claim could be rejected, leaving you stuck with thousands in repairs or liability.

💡 The Bottom Line

If your RV is your home, treat it like one. Auto insurance isn’t enough. You need a policy built for your lifestyle — one that protects your rig, your stuff, and your peace of mind.

👇 Let’s Make Sure You’re Covered

We specialize in full-time RV insurance and work with top carriers that understand your needs.

✅ No spam.

✅ No pressure.

✅ Just real coverage for real RVers.

Click here to request your free quote now. Or call us at 800-507-8467 — we’re happy to help.