You love the freedom your RV provides for traveling, but you also have a home in Decatur, AL. Does it make sense to get full-time RV insurance if you have a permanent home? In some cases, yes. Will Wright Agency Inc. can help you determine whether you need full-time or part-time RV insurance.
The Amount of Usage Matters
If you use your RV for six months or more during the year, full-time RV insurance is recommended. A full-time policy offers broader coverage, including liability for guests inside your vehicle and higher limits for personal belongings. This coverage is similar to a homeowner’s policy, providing loss assessment for repairs and living expenses if your RV becomes uninhabitable due to a covered risk. Many policies also include emergency expense allowances and medical payments coverage for you and your guests, regardless of fault.
When to Choose Part-Time RV Insurance
If you only use your RV for weekend travel or occasional long trips, part-time RV insurance may be sufficient. When not in use, your RV should be stored securely. Part-time policies typically provide general liability protection, covering damage to other property or vehicles in an accident, as well as protection for your RV and personal items inside. Unlike full-time policies, part-time coverage is more limited and similar to auto insurance. Some policies may include vacation liability, which applies when your RV is set up at a campsite.
If you need help deciding which type of RV policy is best for your situation, Will Wright Agency Inc. is here to assist. Contact our office in Decatur, AL, today to schedule an appointment.
