How RV Insurance Differs for Full-Time RV Dwellers vs. Occasional Travelers

Insurance needs can change dramatically depending on how you use your RV. Oasis Insurance Agency, Inc. can help RV owners across Texas understand the differences between full-time RV insurance and coverage for occasional travelers.

Understanding Full-Time RV Insurance

If your RV is your primary residence, you’re considered a full-time RVer. This means you live in your vehicle year-round or for extended periods. Full-time RV insurance is designed to address risks associated with RV living. Key features may include:

• Personal liability coverage, like what you’d find in a homeowners policy
• Coverage for personal belongings kept in your RV
• Additional living expenses if your RV becomes uninhabitable due to a covered loss
• Higher liability limits, since your RV is your home

Insurance for Occasional RV Travelers

If you use your RV for vacations, weekend getaways or seasonal trips, you’re considered an occasional traveler. Standard RV insurance may cover:

• Collision and comprehensive coverage for your RV
• Liability coverage for accidents while driving
• Limited coverage for personal items inside the RV
• Optional roadside assistance

Because your RV isn’t your primary residence, these policies are generally less expensive and don’t include the extended coverage needed for full-time living.

Why the Difference Matters

Choosing appropriate RV insurance is crucial. Full-time RV dwellers face risks similar to homeowners, while occasional travelers often need coverage focused on travel and storage. Texas regulations and insurance requirements can also vary, so it’s essential to work with a knowledgeable agent.

Get Covered Today

Oasis Insurance Agency, Inc. offers personalized RV insurance at favorable rates. Our team can help you compare policies, understand state requirements and select suitable coverage. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.