5 Myths About Full-Time RV Insurance That Could Cost You Big

5 Myths About Full-Time RV Insurance That Could Cost You Big

Whether you’ve just started full-timing or you’ve been living on the road for years, one thing’s for sure:

There’s a lot of bad information out there about RV insurance.

Let’s clear things up — and bust the top 5 myths that could leave you underinsured when it matters most.

🧯 Myth #1: "My Auto Insurance Covers My RV Just Fine."

Not if you live in it.

Auto insurance usually covers:

• Driving-related liability

• Collision or comprehensive damage

• 
  

But it won’t cover:

• Liability while parked long-term

• Personal items inside the RV

• Medical payments to guests

• Emergency living expenses

If your RV is your full-time home, you need a specialized policy — not a standard vehicle one.

🧳 Myth #2: "I’m Not a Full-Timer Because I Still Have a Mailing Address."

Insurance companies don’t care where your mail goes. They care about how you use your RV.

You may be considered a full-time RVer if:

• You’re in your RV 150+ nights a year

• You don’t live in another residence

• You stay parked at sites for extended periods

  
  

If you meet those criteria, a standard RV policy probably won’t protect you.

🧾 Myth #3: "I Have Full Coverage, So I’m Good."

We hear this all the time.“Full coverage” just means:

• Liability

• Collision

• Comprehensive

• 
  

It does not include:

• Liability while parked at a campground

• Emergency expenses if your RV is unlivable

• Guest medical payments

• Long-term dwelling-style protection

• 
  

If your policy doesn’t say “full-time RV insurance,” it likely isn’t.

🛠️ Myth #4: "All RV Insurance Policies Are Basically the Same."

Definitely not.

Some carriers specialize in:

• Recreational use (occasional weekend trips)

• Motorhomes only (not fifth wheels or travel trailers)

• Limited personal property coverage

Others — like the ones we work with — offer:

• Full-time liability

• Replacement cost or agreed value

• Emergency expense coverage

• Options for add-ons and custom rigs

• 
  

🧑‍⚖️ Myth #5: "I’ll Worry About That If Something Happens."

Unfortunately, that’s when it’s too late.

We’ve seen claims denied because:

• The RV was being used as a residence

• The guest liability coverage didn’t apply

• The personal belongings weren’t listed

  
  

A single incident could cost thousands — or even a lawsuit. Getting it right now is a whole lot easier (and cheaper) than fixing it later.

Ready to Bust These Myths for Good?

We specialize in full-time RV insurance and work with top-tier companies who understand how you actually live — not just how you drive.

Click here to request a quote Or give us a call at 800-507-8467 — we’ll review your current policy, explain your options, and make sure you’re truly protected.