RVs exemplify freedom for many. But an RV also creates a unique insurance challenge because it doesn’t fit neatly into one category. It’s a vehicle when it’s on the road. But once it’s parked and lived in, even if it’s only part time, it really starts functioning more like a home.
And that overlap is where the confusion often starts. Here at Will Wright Agency Inc., serving Decatur, AL, we see that this dual role driving some of the most overlooked RV insurance issues.
One Asset, Two Different Uses
It’s not that complicated, but still often ignored. When an RV is treated strictly as a vehicle, insurance decisions usually focus on driving, travel, and mobility. But living activities introduce adifferent set of risks. Cooking, sleeping, working remotely, and hosting guests all change how the RV is used day to day.
It’s not about how often your RV moves. It’s whether daily life happens inside it. Even just seasonal or extended stays can shift how exposure is evaluated, because the RV is no longer just a way to get somewhere. It’s a place where people live.
Personal Property Is the Tipping Point
Here’s a simple rule of thumb: Your RV crosses into living-space, territory depending on what stays in it. Clothing for multiple seasons. Electronics that never come back into the house. Tools, supplies, and everyday items that just accumulate because the RV needs to support real life.
And those belongings can dramatically change the insurance conversation. Most owners still think about RV insurance the way they did at purchase, even though the RV now carries far more personal property and serves a different purpose.
Why This Gets Missed So Often
The transition from “vehicle” to “living space” is usually gradual. There’s no single trip where someone decides, "now this is different." Because the change feels natural, insurance often takes a backseat.
Contact our team at Will Wright Agency Inc. We can help walk you through those details and discuss RV insurance with your lifestyle in mind. Call us. We’re currently serving Decatur, AL.
