It does if you plan to or actually live in your San Antonio, TX RV three-quarters of a year to full-time. You need full-time RV insurance if you travel in your vehicle rather than parking it. In fact, 150 nights constitute a full-time residence parked or moving.
There isn’t a huge difference between part-time and full-time coverage. Even if you live in your RV, you’re technically not "vacationing," so you don’t need vacation liability coverage. However, getting an RV insurance policy would be a good idea, and Ellis Insurance Agency will show you why.
How An RV Differs From A Home
Your home insurance covers the structure’s contents in case of an emergency. RV insurance doesn’t. Full-timers RV insurance will pay for damages in the area on someone else’s property in which your vehicle is parked. This is called loss assessment coverage and differs completely from home insurance.
You’ll need full collision, comprehensive, and liability in addition to covering the contents. All this will pay for damages you cause in an accident including medical.
What To Look For In Full-Timers RV Coverage
San Antonio, TX RVers need to recognize that if they’re living in their vehicle, then part-time or vacation RV insurance won’t apply. Also important are:
• Medical coverage and mandatory personal liability coverage are very important.
• Emergency expenses cover the cost of food and hotels if you’ve filed a claim for covered emergencies in excess of 100 miles from home.
• Roadside assistance comes in handy if your vehicle breaks down or for some other reason requires towing.
• Coverage exists for RV accessories such as a TV antenna, satellite dish, awning covers, and more.
Schedule A Consultation Today!
Living in your RV is fun and adventurous. Protect those adventures by calling or dropping by Ellis Insurance Agency to learn more about full-time RV insurance.