Usage days refer to the time you spend using your RV, and they help an insurance company determine the type of coverage you need. The more you use your RV, the greater the risks you take on, which can result in a higher premium. However, you may not know exactly how an insurance company defines usage days. That’s why the Ellis Insurance Agency is here to help you better understand the situation.
What Counts as Usage Days?
By definition, RVs are versatile. You can take one out for a few days a year or live in the same vehicle for years if you choose. To an insurance company, a usage day counts as the time you spend in the RV. For example, if you use it for trips just a few times a year, it’s typically classified as part-time use. If you’re in the RV full-time for 150 days per year, it might be classified as full-time use. (Note that the number of days per year may vary depending on the insurance carrier.)
Why Does It Matter?
Usage days in San Antonio, TX don’t just impact the price of your policy; they also affect the level of coverage you receive. If you’re using the RV full-time, you’re likely to bring some of your most expensive possessions into the vehicle, such as your laptop or favorite jewelry. If you misrepresent the number of days you use the RV, you could be denied a claim based on your coverage limits—or even face potential fraud allegations.
At Ellis Insurance Agency, we help RV owners in San Antonio, TX get a better handle on the type of coverage they need, no matter how they use their RV. Contact us today for a fast quote or to learn more!
