For most people traveling in an RV, a typical RV insurance policy will be sufficient.  But, for those who use spend more than 150 days in, or use their RV or motorhome as a primary residence, additional insurance is needed to cover added liability. 

Purchasing full timers insurance is essentially like buying a homeowners insurance policy.  When a person claims their RV as a primary residence, there are certain liabilities that will need to be covered.  Full timers insurance will give the owner added coverage against personal liability.  This type of coverage will protect visitors to your campsite.  If they were to get hurt at your campsite, or stepping out of the RV, a regular policy may not cover them. 

Additionally, if you rent a storage unit to keep items that will not fit into your RV, full timers insurance can protect those items in the event of damage or theft.  Standard RV policies will not cover items outside the vehicle. 

If you are planning on making an RV your permanent residence, it is a good idea to look into full timers insurance.  The added security and coverages far out surpass the minimal incremental expense incurred.  For more information about full timers insurance, please contact a PoliSeek sales representative at 866-500-7335.

A multi-car discount is offered by virtually all auto insurance companies.  It applies to all coverage on the policy and may save you between 10% and 20% off of your premium.  The basic requirement is that there must be more than one vehicle insured on the same policy.  Other requirements vary by company and may include:

1.  The vehicle is owned by and principally operated by the policyholder or a member of his/her family.

2.  The vehicle is garaged (kept) at the same address as the other vehicle.

3.  The qualifying vehicle is not a trailer.

There are even some carriers that will give the discount if one vehicle is a home and the other is garaged at college with a child of the policyholder.

As the definition of “family” changes in our society the insurance industry has reacted.  It has been seen where companies which previously required ownership of both vehicles by the policyholder abandon this rule and permit a multi-car discount when two adults are living together, both with their own vehicle.  In the past, not only would they not get the discount, it was difficult to find a company willing to insure them on the same policy.