What is full time RV Insurance?

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Full time RV insurance is a type of insurance specifically designed for individuals who live in their recreational vehicles (RVs) on a full-time basis. Traditional RV insurance policies are typically meant for those who use their RVs for occasional recreational trips, but full-time RVers have different needs and risks that require more comprehensive coverage.

Below are some key features and considerations of full-time RV insurance: 

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Table of Contents

1. Extended Coverage for Full Time RV Living

Full-time RV insurance often provides extended coverage beyond what standard RV insurance offers. This may include coverage for personal belongings, liability protection, and additional living expenses if your RV becomes uninhabitable. This will depend on your policy – it’s recommended you discuss this in full detail with your insurance agent.

I can’t stress this enough!  Make sure you discuss ALL of your needs with your insurance agent.

2. Traveling vs Stationery full time RV Insurance

It’s definitely possible to have full time insurance for Canadian RVers but your policy will probably cost more than if you are stationery permanently. It will depend on your provider and what coverage you actually need.

If you’re traveling out of the province or out of Canada it’s still possible to get coverage but there will be a cost.

3. Personal Property Coverage

Full-timers may have more belongings in their RV compared to those using it for occasional trips. This type of insurance can provide coverage for personal property such as clothing, electronics, and other valuables inside the RV. 

4. Liability Coverage for Full Time RVers

Liability coverage is important for full-time RVers, as it helps protect them in case they are found responsible for causing injury or property damage to others. This coverage may also extend to legal expenses.

5. Emergency Expenses Coverage for full time RVers

If your RV becomes uninhabitable due to a covered event, full-time RV insurance may cover emergency expenses, such as temporary housing and transportation.

6. Full Timer RV Insurance Package

Some insurance providers offer a “full-timer’s package” or similar, which bundles several coverages specifically tailored for those living in their RVs full-time.

7. Personal Attachment Coverage

This may cover any structures or attachments added to the RV, such as awnings, satellite dishes, or storage sheds.

8.Questions you may be asked When Applying

a.  Personal Information – name, address, phone number, date of birth, all names on application.

b.  Effective date of policy requested.

c.  Loss and Policy History – any previous policies or claims?

d. Full description of RV being insured – Year, Trade name, Model, Serial#, Length

e. Is unit PERMANENTLY situated in the USA?

f.  Is unit rented to others?

g. Is unit skirted?

h. Pleasure use? Seasonal? Permanent Residence? Jobsite parking? Permanently sited? – if yes, what is the civic address and if it’s in a park what is the name of the park?

Provincial Full Time RV Insurance Providers

In BC we have found that there are only two brokerages who will cover full time RVers. They are Agile and Western Underwriting. It will depend on who your own personal insurance agent is who they will recommend.  

Western Underwriting:  They only sell policies in British Columbia.  

Agile:  So far what I have found is that Agile does provide full time RV insurance to both Alberta and British Columbia.  They may also provide coverage for residents in other parts of Canada but I haven’t had confirmation as of yet.

Aviva:  Most of us used Aviva in the past but they no longer cover full time RV insurance.  They will cover you for seasonal or recreational purposes.  

RV fires can happen in an instant and there may only be time to exit the RV. But if you do have a couple of seconds and to prevent the fire from expanding a Dry Stop Fire Spray is recommended. They’re perfect for RVs.

In Conclusion: It's important to have Full Time RV Insurance

It’s important for full-time RVers to carefully review and understand the specific terms and conditions of their insurance policy. Different insurance providers may offer varying levels of coverage, so it’s recommended to shop around and compare policies to find the one that best suits your needs and budget. Additionally, factors such as the type of RV, its value, your driving record, and the places you plan to visit can influence the cost and coverage options available to you.

NOTE:  Don’t hide the fact that you’re full time RVing. I can’t stress that enough because if you do have an accident or something goes wrong and your agent find out you don’t have proper full time RV insurance, you may NOT BE COVERED!

Looking for travel insurance and find it really expensive? Maybe look at other travel options. We talk about those options here. 

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