Do You Need Insurance to Live in Your RV?

Owning an RV like a camper can be a great resource when you want to get away, but it can also serve as a full-time home for some drivers. If you are thinking about turning your RV into a full-time living space, you’ll need the right insurance.

What Does RV Insurance Cover?

RV insurance coverage depends on the class of your vehicle. There are three main classes of RV:

Class A includes luxury coaches, converted buses, motor coaches and vehicles up to 75 feet long
Class B includes coverage for small vehicles such as cargo vans, travel trailers and camper vans.
Class C includes standard cargo vans with a camper portion over the cab area and also covers fifth wheel vehicles.

Class C recreational vehicles are the most frequent class to be used as a full-time residence. Basic insurance may not cover you for the unique dangers you may face while converting your RV into a permanent home, however.

At its most basic, RV insurance may include:

Comprehensive Coverage: Comprehensive coverage provides compensation for physical damages to the RV caused by fire, wind, hail, lightning, smoke, falling objects, theft, vandalism and more incidents not including collision.
Collision Coverage: Collision coverage provides compensation for physical damages to the RV caused by a collision with another vehicle or object.
Medical Payments Coverage: Medical payments coverage provides compensation for medical bills you and your passengers may face after an accident, no matter who caused the accident.
Liability: Liability insurance covers bodily injury and property damage you may cause someone else while operating the insured vehicle.
Uninsured/Underinsured Motorist: This coverage provides compensation for damages and injuries that occur in an accident with a driver who is not carrying insurance.

Roadside Assistance: Roadside assistance coverage provides assistance for trip interruption expenses such as running out of gas or needing a new tire.

Additional coverages you need if you wish to use your camper full time include Campsite and Vacation Insurance and Full-Timer Coverage. Campsite and vacation insurance provides extra liability in case someone is injured on your property while your RV is parked at a campsite or other vacation location.

Full-timer coverage provides additional insurance for your full time RV. This provides coverage for liability, injuries and other physical losses that may occur while you are using the vehicle as a full time living space.

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