What Is Full-Timers Insurance and Do You Need It?

Going full-time and living in your RV is a great way to embrace a digital nomad lifestyle, but standard RV insurance is only designed for rigs that are used infrequently. Insurance companies view RVs as recreation vehicles, not homes, and tailor their policies to fit that definition rather than offering enough coverage to protect yourself and your belongings while you’re living in your rig. That’s why some companies offer full-timer coverage in addition to standard coverage. Here’s what you need to know about this unique type of RV insurance and why it’s so important.

What Full-Time RV Insurance Is
Full-time RV insurance is a type of RV insurance policy that’s designed to cover full-time RVers year-round. The policies offer higher coverage limits and typically offer additional liability protection, similar to what you’d find with a standard homeowner’s or renter’s insurance policy. The insurance typically costs more than recreational policies, but it’s well worth the added expense. If something unexpected happens, your insurance policy may help you cover the cost of repairs, replacements, or even medical bills should someone be injured in your home on wheels.

Why You Need It Over a Normal RV Policy
Believe it or not, some insurance providers will deny your claim if they find out you’re living in your RV without having full-time RV insurance. If this happens, you’ll be on the hook for the full cost of repairs if anything is damaged. Worse, if someone is injured, you could bear the full brunt of the liability without support from your insurance provider. 

Where Can You Find Full-Time RV Insurance?
Unfortunately, not all insurance providers offer full-time RV insurance, even if they offer recreational policies. Do your due diligence and research your options. Contact each insurance provider you’re interested in and be upfront about the fact that you’re living in your RV. They’ll be able to tell you if they offer full-timer’s coverage or if you need to keep looking elsewhere. Some providers who are well-known for offering comprehensive full-time coverage include the following:
Keep in mind that insurance companies expand their coverage offerings regularly. Speak with your insurance agent to see if you can qualify for a policy with your current provider.

Does It Protect You When Your RV Is Parked?
Full-time RV insurance doesn’t require you to live in your RV every day of the year. Most providers only expect you to use your RV as your residence for about six months out of the year. As long as you’re current on your monthly premiums, your coverage will remain active even if your RV is in storage. Keep in mind that you may want to speak with your insurance provider to see if there are discounts for keeping your RV in a secure storage space or if you can lower your coverage limits while your RV is parked. This can save you money and make paying for full-time coverage more reasonable.

Need a Safe Storage Space?
No matter how great your insurance policy is, you’ll still want to protect your rig whenever you’re not using it. If you’re looking for a safe and reliable place to store your RV between long-term trips, look no further than goHomePort. Reserve your site online and take the stress out of finding a safe place to park your RV. 
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