Full-Time vs. Part-Time RV Insurance: Which Coverage Is Right for You?

Recreational vehicle (RV) insurance is a type of policy specifically designed to cover RVs against accidents, theft and other unforeseen events that can cause significant financial losses. There are different types of RV insurance based on how the RV is used.

What Is Full-Time RV Insurance?

Full-time RV insurance is designed for individuals who use their RV as their primary residence, typically for six months or more each year. This type of policy may provide broader coverage, much like a homeowners policy, since your RV serves as both your vehicle and your home.

Full-time coverage may include:

• Personal liability coverage for accidents that occur in or around your RV
• Coverage for personal belongings kept inside the RV
• Additional living expenses if your RV must be vacated temporarily due to a covered loss
• Medical payments coverage for guests who are injured in or near your RV, regardless of fault, up to the policy’s limits

What Is Part-Time RV Insurance?

Part-time RV insurance is designed for those who use their RV for vacations, weekend trips or seasonal travel. This coverage usually costs less than full-time insurance because the RV is not your primary residence. Part-time policies often include:

• Standard liability coverage for accidents while driving
• Coverage for damage to your RV from collisions or other causes
• Limited coverage for personal belongings

How to Choose the Right Coverage

When deciding between full-time and part-time RV insurance in Texas, consider the following:

• How often and how long you use your RV each year
• If your RV serves as your primary residence
• The value of your personal belongings inside the RV
• Your need for liability and additional living expense coverage

Get Covered Today

Vela Auto Insurance can help Texas RV owners review their options and select a suitable policy. 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.