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.

This entry was posted on Thursday, November 26th, 2009 at 8:45 am and is filed under Coverages. You can follow any responses to this entry through the RSS 2.0 feed. Both comments and pings are currently closed.