Full-time RV insurance differs significantly from standard RV policies by providing homeowner-style liability protection plus comprehensive on-the-road coverage for people living in their RV six months or more annually.
Unlike recreational policies, full-timer coverage includes personal liability for stationary incidents, expanded medical payments, contents protection, and loss-of-use benefits—essential protections when your RV serves as your primary residence. Full-time coverage typically costs significantly more than recreational policies due to the expanded protections required for permanent residence.
Full-time RV insurance provides homeowner-equivalent protections that standard recreational policies exclude, including personal liability when parked and contents coverage for permanent belongings.
Standard RV insurance typically mirrors auto coverage with basic protections like bodily injury liability, comprehensive collision, and medical payments for road accidents. However, full-timers face unique risks that recreational users don't encounter.
When you live in your RV year-round, you assume virtually all the risks of homeownership. Full-time policies include personal liability coverage for incidents when the RV is parked, like guests slipping inside your rig or property damage to neighboring campers. This protection extends beyond road accidents to everyday living situations.
Full-timer policies also provide enhanced contents coverage for your permanent belongings, vacation liability protection for extended stays, and often include pet coverage across most states. These additions reflect the reality that your RV contains a lifetime's worth of possessions rather than just vacation gear.
Explore full-timer coverage options with a personalized Roamly quote and discover potential savings up to 35%.
Anyone living in their RV for six months or more annually requires full-time coverage, including digital nomads, retired snowbirds, and converted van dwellers.
The full-time RV community spans diverse lifestyles, each with specific insurance needs:
Digital Nomads & Remote Workers represent a growing segment choosing RV life for location flexibility while maintaining careers. These tech-forward professionals seek customizable, cost-effective protection that aligns with their mobile lifestyle.
Retired Snowbirds typically use Class A motorhomes or fifth-wheels as winter residences, requiring complete coverage with medical-payment add-ons. These couples often need seamless transitions between stationary and travel periods.
DIY Van-Lifers & Tiny-Home Owners face unique challenges since mainstream insurers often refuse coverage for converted vehicles. Roamly specifically highlights acceptance of unique and DIY rigs, addressing this underserved market.
The RV Industry Association reports that RV ownership continues to grow, driving continued innovation in full-timer insurance products.
Full-time RV insurance costs significantly more than recreational policies due to additional protections required for permanent residence, with pricing varying based on RV type, coverage level, and usage patterns.
Recreational RV policies provide baseline coverage for occasional use, but full-time coverage requires additional protections that increase costs substantially. The exact premium increase depends on your specific RV, location, and coverage selections.
Cost Factors for Full-Timers:
Full-time coverage costs reflect expanded liability, contents coverage, and loss-of-use protections essential for permanent residents. Budget-conscious full-timers can reduce costs through multi-policy discounts, safety course completions, and choosing appropriate deductibles while maintaining essential protections.
Essential full-timer coverage includes personal liability when stationary, expanded contents protection, medical payments for guests, and loss-of-use benefits for temporary housing.
Full-time RV insurance combines traditional vehicle protections with homeowner-style benefits. Understanding the different types of RV insurance plans helps full-timers select appropriate coverage levels beyond basic recreational policies.
Required Road Coverage:
Full-Timer Specific Protections:
Optional Enhancements:
Coverage should include protection against risks when the RV is parked, since full-timers assume virtually all homeowner risks. This comprehensive approach ensures protection whether you're driving cross-country or settled at your winter location.
Most traditional insurers void coverage during peer-to-peer rentals, but specialized providers like Roamly maintain protection through integrated rental coverage programs.
This represents a significant advantage for full-timers seeking additional income. Roamly's rental insurance approach ensures continuous coverage whether you're using your RV personally or renting it out on platforms like Outdoorsy.
Traditional insurers typically exclude commercial use, creating coverage gaps during rental periods. However, integrated programs coordinate with rental platforms to maintain continuous protection.
Rental-Friendly Benefits:
This flexibility proves especially valuable for full-timers who seasonally relocate, allowing income generation while maintaining a home base elsewhere.
Specialized full-timer insurers understand unique living risks and provide appropriate coverage levels, while generic policies often exclude essential protections for permanent residents.
Specialist Advantages:
Risk Assessment Accuracy: Generic insurers often misunderstand full-timer risks, leading to coverage gaps or unnecessarily expensive additions. Specialists' price policies are based on actual usage patterns rather than assumptions.
Claims Support: When you need service while parked in remote locations, specialists provide better logistics support and understand the urgency of getting back on the road quickly.
Ready to protect your rolling home? Get a free Roamly quote and save up to 35% on full-time RV insurance. Our specialists understand the unique needs of full-time RVers and can customize coverage that protects both your vehicle and your lifestyle. Start your personalized quote today and join thousands of satisfied full-timers who trust Roamly for complete protection.
Insurance terms, coverage, and discounts vary by jurisdiction; consult a licensed agent for details specific to your situation. For additional consumer protection information, visit the National Association of Insurance Commissioners.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Safeco Insurance, Foremost Insurance Company, National General Insurance, Allstate Insurance Company, Mobilitas Insurance Company, Lyndon Southern Insurance Company and others.