Full-Time Vs. Part-Time RV Coverage: What’s the Difference? 

Owning an RV opens up a world of adventure, whether you’re hitting the road for weekend getaways or embracing life on the move full-time. But when it comes to protecting your investment, understanding the difference between full-time and part-time RV coverage is essential.

Understanding Full-Time RV Coverage

Full-time RV coverage is designed for those who use their RV as their primary residence—typically living in it for six months or more each year. This type of policy offers broader protection, similar to a homeowners policy, because your RV acts as your home.

Key features of full-time RV insurance may include:

• Personal liability coverage for accidents that happen in or around your RV
• Coverage for personal belongings inside the RV
• Additional living expenses if your RV becomes uninhabitable due to a covered loss
• Higher limits for medical payments and liability

If you’re spending most of your time on the road or parked at a long-term site, full-time coverage can help financially protect you from the unique risks of RV living.

What Is Part-Time RV Coverage?

Part-time RV coverage, sometimes called recreational RV insurance, is intended for those who use their RV for vacations, weekend trips, or seasonal travel. This policy may be a better fit if your RV spends most of the year in storage or parked at home.

Part-time RV insurance typically includes:

• Standard liability and collision coverage while driving
• Financial protection against theft, fire, and weather damage
• Limited coverage for personal belongings

This option is generally more affordable, but it may not provide the same level of protection as a full-time policy, especially when it comes to liability and personal property.

Choosing the Right RV Policy

The right RV insurance depends on how you use your vehicle. Full-time RVers may need the extra protection of a comprehensive policy, while part-time travelers can often save with a recreational policy. Our team at Prime Time Insurance Services in Plano, TX can help you compare options and tailor coverage to your needs, ensuring you’re protected wherever your travels take you.

Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.