Best Full-Time RV Insurance
Living the full-time RV life for 3.5 years is one of the best things we’ve done. But, before we hit the road, there was a lot of preparation to do. Making the transition from our sticks and bricks house to our tiny home on wheels meant doing things like downsizing our belongings, furnishing and setting up the rig for full-time living, and, of course, making sure our home was protected in case something happened.
As full-time RVers, we made sure to do our due diligence in finding the right insurance for us and our somewhat unique situation. We had to make sure everything we owned as well as our mobile primary residence would be insured at a reasonable price.
Are you a full-timer in the market for the best RV insurance? My biggest piece of advice is to shop around and get a few quotes before settling on one. Here are the best options and everything you need to know about choosing the right one.
What is Full-Time RV Insurance?
Full-time RV insurance is specifically designed to cater to individuals who utilize their recreational vehicles either as their primary residence or spend at least six months living in their RV. Much like home insurance, this comprehensive coverage extends beyond the traditional limitations of standard RV or auto insurance, recognizing the distinct needs of those who call their RVs a permanent home.
In essence, full-time RV insurance mirrors the protective elements found in home insurance. It safeguards you against a spectrum of potential risks, including personal liability, injuries, property damage, and other losses that may occur while your RV is parked. This coverage goes beyond the scope of standard policies, acknowledging the dynamic nature of continuous habitation and providing a safety net for the unique challenges faced by full-time RVers.
How Full-Time Insurance Differs from Regular RV or Auto Insurance
Understanding the difference between full-time RV insurance and short-term RV insurance is essential for those navigating the diverse landscapes of the RV lifestyle. The distinction lies in the unique risks associated with living in an RV full-time, and it significantly impacts the level of coverage required. Let's break down the key differences between these two insurance options.
Short-Term RV Insurance:
Short-term RV insurance is akin to an auto insurance policy, providing basic protections suitable for sporadic or temporary use of the recreational vehicle. This coverage includes:
Bodily Injury (BI) and Property Damage (PD) Liability:
Covers the other driver if you're at fault in an accident.
Required in every state, except New Hampshire.
Comprehensive and Collision Coverage:
Protects your motorhome against auto crashes, vandalism, theft, and other incidents, regardless of fault.
Medical Payments Coverage:
Pays for hospital bills if you or your passengers are injured in an accident.
Underinsured/Uninsured Motorist Coverage (UMC):
Steps in if you're hit by a driver with insufficient or no insurance, such as in hit-and-run scenarios.
Full-Time RV Insurance:
Full-time RV insurance encompasses all the features of short-term coverage and extends protection to account for the unique risks faced by those who live in their RVs full-time. This comprehensive coverage includes:
Vacation Liability:
Covers medical and legal costs if a guest is injured in your RV or if your activities lead to damage to neighboring campers.
Personal Property Coverage:
Helps replace or repair personal belongings and often includes coverage for pets.
Scheduled Medical Payments:
Extends medical payments coverage to someone injured inside or around the RV while it's parked.
Loss Assessment:
Reimburses fees charged by an HOA in an RV community for repairing damaged property in common areas.
Emergency Expense Coverage:
Pays for temporary lodging if your RV becomes uninhabitable due to damage, assisting during repairs or replacement.
Adjacent Structures Coverage:
Covers standalone structures on your motorhome site, such as sheds, decks, porches, or carports.
Diminishing Deductibles:
A unique benefit that reduces deductibles by 25% for every consecutive year without a claim.
Additionally, choosing a higher deductible at the start can lead to lower premiums. Remaining claim-free results in a further reduction in deductibles while maintaining the lower premium rate.
Best Full-Time RV Insurance
We recently put together a full list of the best RV insurance that I recommend checking out. But, what is the best overall option for part-time RVers might not be the same for full-timers. As far as the best full-time RV insurance, Roamly has built out coverage plans that are simple and reassuring. Roamly stands out as a top choice for full-time RVers for several reasons,
Roamly's full-time RV insurance policies offer comprehensive coverage, including protection for personal liability, property damage, and medical payments. They also cover unique full-time RVing needs like lost assessments, emergency expenses, and adjacent structures.
Roamly understands that no two full-time RVers are alike. That's why they offer a variety of plans to fit your specific needs and budget.
Roamly offers flexible policy terms, allowing you to choose the coverage period that best suits your needs, whether you're a seasonal or year-round RVer.
Roamly is committed to making the claims process as easy and stress-free as possible. They have a dedicated team of claims specialists who are available to help you 24/7.
Unlike most RV insurers, Roamly allows you to rent out your RV on marketplaces like Outdoorsy and still be covered. In fact, they are the only online, completely digital RV insurance company that offers this benefit.
Full-Time RV Insurance Cost
The cost of RV insurance for full-timers can vary widely depending on several factors such as the type of recreational vehicle, its age, the coverage options selected, the driver's record, and the intended usage. On average, annual premiums for full-time RV insurance typically range from $1,000 to $4,000 or more. Class A motorhomes, which are larger and often more expensive, tend to have higher insurance costs than smaller trailers or campervans. Comprehensive coverage, which includes protection against theft, vandalism, and natural disasters, can contribute to higher premiums. Additionally, factors like the RV's storage location, the owner's driving history, and the level of coverage for personal belongings and liability also play a role in determining the overall insurance cost. It is advisable for RV owners to compare quotes from different insurance providers to find the most suitable coverage that meets their needs and budget.
Full-Time RV Insurance Reviews
With so many companies offering different coverage options and rates, it's important to do your research and read reviews from other RVers before making a decision. Roamly offers a variety of plans specifically designed for full-time RVers, and they have received generally positive reviews from customers.
Here's a quick look at what some customers are saying about Roamly
Customer service: Many reviewers find Roamly's customer service to be excellent, specifically mentioning agents. They mention that the agents are helpful, friendly, and knowledgeable.
"I had the pleasure of working with Mindi today and she was absolutely amazing! She was very thorough, professional and personable. I highly recommend Roamly for your RV insurance needs!"
"I just spoke with Blake from Roamly and he was fantastic! He was very helpful and knowledgeable and was able to answer all of my questions. I would highly recommend Roamly to anyone looking for RV insurance."
Responsiveness: Roamly is also praised for its responsiveness, with customers noting that they received quotes and had their questions answered quickly.
"I contacted Roamly for a quote and they were very responsive. I received a quote within a few minutes and the agent was able to answer all of my questions."
Claim processing: Many reviewers have had positive experiences with claim processing.
Embarking on the full-time RV lifestyle is an exhilarating journey, and safeguarding your home on wheels with the right insurance is paramount. As avid full-time RVers, we understand the unique challenges and requirements that come with continuous habitation on the road. Choosing the best full-time RV insurance involves a thorough understanding of the distinctions between short-term and comprehensive coverage, as well as identifying the specific needs of a mobile lifestyle. Safe travels and we hope to see you on the road!
This page contains affiliate links. That means we earn a small commission if you make a purchase through a link on this page. There is no additional cost to you. Thank you for your support!