Not all RV insurance is created equal—and if you're living on the road full-time, the type of coverage you have can make or break you when something goes wrong.
Many people start out with a basic RV policy designed for vacation use. That works great for weekend getaways or summer road trips. But once your RV becomes your primary residence, the risks—and responsibilities—change.
Here’s why full-time RV insurance is a must:
🏡 Home-Like Liability Coverage
Full-timers need a policy that acts more like homeowners insurance, offering personal liability protection in case someone gets hurt near your RV or you cause accidental damage to property.
🛠️ Comprehensive Personal Property Protection
You’re not just carrying camping gear—you’ve got your life packed in that rig. Full-time policies cover your clothes, electronics, appliances, and more.
🏥 Medical Payments
Full-time coverage may include medical payments if someone is injured in or around your RV—even if you're parked for the season.
🚐 Higher Limits for Emergencies
Emergency expense coverage helps pay for temporary housing and travel if your RV is in the shop after a covered claim.
If you're spending more than 150 nights a year in your RV, you should absolutely be looking at full-time RV insurance.
At Twin Peaks RV Insurance, we know how to match the right coverage to your lifestyle—whether you're boondocking in the desert or plugged in at a fancy park in Florida. We write policies in nearly every state and understand the special needs of full-time RVers.
👉 Request a full-time RV quote here Or call us at 800-507-8467 and we’ll help you make the switch from "part-time policy" to full-time peace of mind.