First, let’s dispense with a myth: You don’t need to entirely dispense with your primary residence in order to need RV insurance. You should consider RV insurance if you spend 150 or more nights out of the year in your RV.
That’s about a month short of 180 days. And you may well maintain your primary residence in addition to your full-time RVer status. The two are not mutually exclusive.Full-time RV insurance policies won’t have vacation liability coverage. Since you are living in your rig full-time, you’re not really on vacation.But you should consider keeping some emergency expense coverage to help you pay for lodging if you’re RV is involved in a wreck or disaster that makes it uninhabitable for a time. You’ll need to stay somewhere while it’s repaired, or while you’re shopping for a replacement.With RV repair wait times being what they are in some areas, you could be renting a hotel room for a long time. People who live in their RVs typically keep more belongings in their vehicles than either SUV and van owners or casual RV users who go out for a week or two at a time.
A full-time RV policy recognizes that. If your RV is broken into, stolen, or destroyed in a fire or flood, you could stand to lose many thousands of dollars worth of personal effects.
We’ve seen this happen with traveling bands, who could have tens of thousands of dollars in musical instruments and sound gear traveling with them on tour.
If someone figures out who you are, and breaks into your RV in a parking lot while you and your bandmates are grabbing a post-gig bite at the Waffle House at 1 AM and make off with your Martin D28 and some other instruments, you don’t want to find out later your personal effects coverage capped out at $5,000.
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