Recreational Vehicles (RVs), Class A/B/C motorhomes, and fifth-wheel travel trailers combine the vehicular hazards of a heavy highway truck with the physical property hazards of a residential home. Insuring an RV requires a hybrid policy designed for mobile living.
Why Auto Policies Leave Motorhomes Exposed
Adding an RV to a standard auto policy provides basic road collision coverage, but completely excludes personal property stored inside, attached awnings, slide-out hydraulic destruction, and campsite liability when parked.
The Crucial “Full-Timer” Insurance Endorsement
If you live in your RV for 6 months or more per year, standard recreational RV policies will deny claims! You must add a Full-Timer Liability Rider, which transforms your policy into a homeowners-equivalent policy providing $300,000+ in personal liability, medical payments to guests, and loss of use housing allowances.
Frequently Asked Questions
Q: Does RV insurance cover attached patio awnings blown away in windstorms?
A: Specialized RV policies cover attached awnings under physical damage coverage, subject to your comprehensive deductible.