7 Tips for Full-Time RVers: Full Time RV Insurance and More

So, you’ve decided to take the leap and become a full-time RVer. Congratulations! Living in your RV full-time can be exciting, but there’s a lot to consider if you want to do it safely. Here are some things you can do to protect everyone involved and travel without worries.

Remember These Essentials

There are certain must-haves that you’ll want on board to keep your stress levels down: an RV clean water hose, a sewing kit, a power management system or surge protector, a tire pressure gauge, fire extinguishers, extra fluids, jumper cables, and a battery jump pack, dry camping and boondocking gear, an emergency survival kit, bug spray, bear spray, medications, sunblock, and sunglasses.

Know Your Route Before You Go

The last thing you want is to reach an overpass and realize that your RV won’t fit beneath it. You can avoid scenarios like that by getting an RV-specific GPS unit. These allow you to enter your RV’s information and get a safe route that will work for your RV. It’s also advisable to research and map out RV-friendly gas stations to ensure ample space for refueling with access to essential amenities like diesel and dump stations.

Stay Aware Of The Weather

Don’t let severe weather sneak up on you in your RV. Purchase an emergency weather radio that tunes into the NOAA weather service for whatever county you’re currently in. This way, you’ll be prepared for all types of emergency threats, including tornados, floods, severe thunderstorms, civil danger warnings, and more.

Make Sure You’ve Got The Right Insurance Coverage

If you’re using your RV as a permanent residence—typically defined as residing in a motor home or travel trailer for more than six months out of the year—you’ll want a full-time RV insurance policy. Along with the typical coverages on an RV policy, you’ll receive broader RV coverages on a full-timer’s policy that will protect you if your travel trailer or motor home is your permanent home, such as:

• Full-timer’s Personal Liability Coverage: This can pay for property damage or injuries you’re liable for while your RV is parked.
• Medical Payments Coverage: If a visitor is injured while near or inside your RV, this may cover their medical costs.
• Replacement Cost Personal Effects Coverage: This can pay specified replacement cost limits for losses to the insured’s RV contents(electronics, furniture, clothing, etc.).