When people think of RVs, traditional motor homes generally come to mind. However, travel trailers and medium duty tow vehicles may also be covered by RV insurance. Certain vehicles are obviously intended for limited use and may not be used for full-time dwelling while others can be used for travel and as a living space all year. People who wish to only use their vehicle seasonally may be able to take advantage of benefits insurance companies offer to part-timers. Examples may include a lower premium rate during the times of year when the vehicle will not be in use.
However, people who intend to travel and live in their RV full time should opt for full-time coverage. Emergency insurance that will cover a vehicle in the event of fire or other damage is also recommended for policy holders who choose to use their RV for residential purposes. In addition to insuring the vehicle itself, RV owners should consider the items they plan to store in the vehicle’s cabin. Not getting enough insurance is a common mistake many recreational vehicle owners make. Insuring the contents can come in handy in the event that an expensive electronic or other item is stolen or damaged.