Full-timers need a different policy
If the RV is your primary residence, a recreational policy can deny claims. Full-timer packages add premises liability (someone hurt at your campsite), higher personal-effects coverage, and loss-of-use housing costs — roughly 50% more premium, but it's the correct form. Establish domicile carefully; your state of registration drives both rating and legal questions.
Related guides
Long-form playbooks on the same topic, written by the RevenueLab editorial team.
FAQ
How much is RV insurance per year?
Travel trailers run $400–700/year, class C motorhomes $800–1,500, and class A motorhomes $1,500–3,000 for recreational use. Full-time coverage adds about 50%. A $250K diesel pusher used full-time typically costs $3,500–5,000/year.
Does my auto insurance cover my travel trailer?
Your auto liability extends to the trailer while it's hitched — but physical damage to the trailer itself (collision, hail, theft) requires its own policy or endorsement. Unhitched at a campsite, nothing from your auto policy applies.
What is full-timer RV insurance?
A package for people living in the RV 6+ months/year. It adds full-timer liability (like homeowners premises liability), higher personal property limits, and loss-of-use coverage. Using a recreational policy while living in the rig risks claim denial.
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