Living in an RV is a common option for many retired people or those looking for a lower-cost and mobile living environment. At VIP Insured, we can help Bellevue, WA residents like you understand how your RV insurance policy can protect you and what options are available for full-time RV owners.
What RV Insurance Covers
RV insurance is unique because it can work like vehicle and home policies. That’s because an RV can be used as a vehicle and has many of the same concerns that may affect a car, truck, or van. However, it is also a potential home and has many living amenities for people using it for camping.
For example, it can provide liability protection against injuries caused in a crash or by an RV’s malfunctioning. It may also protect you against lawsuits from people who get hurt inside your RV. But what about if you live inside the RV permanently? You may get some protection for that, too.
Full-Timer’s Insurance
If you live in your RV as a permanent home and have no other residence, you may purchase what insurance companies call a full-timer policy. This insurance coverage works like a homeowner’s policy and will give you all the protection you would get with that coverage.
This option is a wise choice for people who decide to make an RV their permanent home. You can even add to the policy as you would a normal homeowner’s policy. For instance, you can add extra liability protection or umbrella policies to protect yourself from serious risks.
Let Us Help You
At VIP Insured, our team of experts fully understand RV insurance and the different options available to you. By working with us, you can get the Bellevue, WA protection that makes the most sense for your needs.
