Living in an RV offers freedom, but it also comes with unique responsibilities. Your RV requires protection, just like a traditional home. If you live in your RV full time, you need more than standard auto insurance to protect your home on wheels and your personal belongings. Most states mandate RV insurance, and securing the right policy will ensure you have adequate coverage for your nomadic lifestyle. Let’s go over what kind of insurance to get if you live in an RV.
Full-Timer RV Insurance
Do you use your RV as your primary residence? If so, you need full-timer RV insurance. This policy combines elements of home and auto insurance. It provides liability coverage similar to a homeowners policy, protecting you if someone is injured in or around your RV. It also covers your personal belongings, such as furniture, electronics, and clothing, which a standard auto policy would not.
Personal Property Coverage
How much are your belongings worth? Personal property coverage protects the items you keep inside your RV. Think about everything you own, from your laptop to your kitchenware. This coverage helps you replace these items if they are stolen or damaged in a covered event. You can often choose your coverage limit based on the value of your possessions. Consider creating an inventory of your belongings to determine the right amount of coverage.
Vacation Liability Coverage
What happens if a guest gets injured at your campsite? Vacation liability coverage, often included in a full-timer policy, can pay for medical expenses or legal fees in these situations. This applies if you are found responsible for an accident that injures someone or damages their property while your RV is parked at a campsite or other location. For example, it can help if a guest trips over electrical wiring and breaks their arm.
Emergency Expense Coverage
Where would you stay if your RV became uninhabitable? Emergency expense coverage helps pay for temporary lodging and transportation if your RV is damaged in a covered incident, and you cannot live in it. This benefit is important for full-time RVers who do not have another home to go to. This type of coverage often includes hotel or rental car costs, as well as food and other necessary living expenses.
If you live in an RV, getting the right insurance is essential for your financial peace of mind. Are you ready to protect your home on the road? Contact Saferoad Insurance for specialized RV insurance in California. We can provide tailored protection that meets state requirements. Start your quote today, and drive with confidence!