Many RV owners think you need full-time RV insurance if you spend 365 days per year in the RV. The insurance standard is 150 days, not 365, so if you spend five months each year in your RV and do not have full-time RV insurance, you need different coverage than you have today. If you live in or near Foley, AL, contact our team at Southern Risk Associates. We’re here to help and ensure you have the RV coverage you need.
What Is Full-Time RV Insurance?
Traditional or short-term RV insurance functions like auto insurance. Full-time RV insurance has an auto component and adds coverage similar to a homeowner’s policy. For example, traditional RV insurance will cover components that can include:
- Bodily injury and property liability
- Comprehensive and collision for your RV
- Medical coverage for you and injured passengers
- Underinsured motorist coverage
Short-term RV insurance covers you while driving but does not cover losses when your RV is parked if you exceed the 150-day limit. If you exceed 150 days, a full-time RV policy will cover:
- Bodily injury and property damage in and around your parked RV
- Your possessions in your RV
- RV HOA assessments for common area losses
- Temporary lodging during RV repairs
- Damage to adjacent structures, like carports and decks
As always, check with your insurance agent to confirm you have the proper insurance coverage before you need it. If you think you should have full-time RV insurance, talk to your agent to confirm you have the right coverage for your RV and other risks.
Working With Southern Risk Associates
Our friendly team at Southern Risk Associates serves Foley, AL, and can address your insurance needs. Stop in or call today to ensure you have the correct coverage for your RV.
