Your RV Is a Home on Wheels—But Is It Insured Like One?

Planning your summer RV adventures? While your RV offers the freedom of the open road, have you considered if your insurance truly protects it as your mobile home? Many RV owners assume a standard auto policy offers sufficient coverage—until they face a situation it doesn’t cover. Your RV deserves protection designed for both travel and living.

Understand the Distinction Between Auto and RV Insurance

Standard auto insurance policies are built for vehicles used primarily for transportation. They offer liability protection but often fail to account for the living space and personal property inside your RV. For example, if a pipe bursts and floods your interior or your built-in appliances are damaged, your auto policy won’t help. RV insurance, however, is designed to protect the full scope of your mobile lifestyle—your vehicle and your living quarters alike.

Evaluate Personal Property Coverage

Your RV isn’t just a vehicle—it’s a moving home. You carry more than just suitcases; you’re traveling with cookware, tools, electronics, and often irreplaceable items. RV insurance with personal property coverage protects these valuables from theft, fire, or damage during travel or while parked. If you own high-value items like photography gear or custom electronics, it’s wise to document or appraise them to make sure they’re fully covered.

Consider Full-Time RV Insurance if You Live on the Road

If your RV is your full-time residence, your insurance needs change significantly. Full-time RV insurance functions more like homeowners insurance, offering:

• Personal liability coverage beyond driving
• Medical payments if someone is injured inside or near your RV
• Loss assessment coverage, which protects you if you’re responsible for a portion of damage to shared property at a campground or RV park

This kind of policy ensures that you’re protected whether you’re cruising highways or living in a long-term park setting.

Assess Additional Coverage Options

Not every incident happens on the road, which is why broader protection matters. Talk to your advisor about:

• Vacation Liability Coverage: Protects you if someone gets hurt in or around your parked RV
• Emergency Expense Coverage: Pays for temporary lodging or transportation if your RV becomes uninhabitable
• Roadside Assistance: Covers towing, flat tire service, fuel delivery, and jump-starts
• Customizable Deductibles: Choosing the right deductible can help you manage premium costs while still maintaining protection

These added coverages are especially valuable when you're far from home and relying on your RV for both shelter and transport.

Partner with Four Seasons Insurance Agency, Inc.

Choosing the right RV insurance isn’t just about complying with requirements—it’s about protecting your lifestyle. When you work with Four Seasons Insurance Agency, Inc., you get tailored advice from professionals who understand the unique needs of RV owners. Whether you’re a full-timer, a seasonal traveler, or a weekend explorer, we’ll help you design a policy that moves with you—so you can focus on the journey, not the risk.