RV Insurance: What Is Full Timers Insurance Coverage?

Filling the gaps in your insurance coverage Read More

RV Insurance Full TimersThis is the time of your life that you’ve been dreaming about. No more work for you – you’re planning on becoming a full time RVer! Since you no longer have a stationary home, you’re free to discover the nooks and crannies of this wonderful country. But with this change of address comes new RV insurance concerns. Because you don’t have a traditional home, there may be gaps in your insurance coverage. Good thing that many RV insurance providers offer Full Timers RV Insurance!

Similar to a homeowner’s policy, Full Timers coverage is needed for those adventurous souls who use their RV as a primary residence (defined as not owning or residing in another dwelling). There are a few different components of this coverage, which are outlined below. These may vary depending on the insurance provider:

Full Timer’s Personal Liability: Up to a specified limit, this coverage will pay for bodily injury and property damage if you are found legally responsible of an accident.

Full Timer’s Medical Payments To Others: This coverage will pay up to a certain amount for the medical expenses of others who are injured because of an accident while on the property occupied by the RV used as a primary residence.

Full Timer’s Loss Assessment: This coverage will pay up to a certain amount for assessments charged to the full timer while he or she owns or is a tenant of property in an association.

Storage Shed Contents: Pays up to $5,000 for contents located in a shed owned, leased or rented by the insured at the time of loss.

Per Diem: Sometimes RVs break down, and you need a place to stay while it’s getting fixed. Many Full Timers policies will cover the cost of hotel room, food and kennel boarding for pets if your RV needs to be in the repair shop for any length of time.

When you’re on the road full time, then you need the RV insurance that covers the unexpected. A Full Timers RV Insurance Policy will ensure that you are protected, no matter where you go.