Full-Time RVer Protection

In its November 8, 2007 issue, Time Magazine reported that there are over 400,000 full-time RVers in the United States.  Although many of these full-timers inhabit their RVs all 12 months of the year, most insurance companies view five or six months as full-time usage.

When an individual decides to permanently hit the road to experience all of America, they may be subject to gaps in insurance coverage, especially if they are no longer a homeowner.  This is another reason specialty RV insurance is needed.  Explorer Insurance Agency offers specialty RV policies for full-timers to provide coverages that fill those insurance gaps.

            Full-timers’ personal liability coverage provides very important protection.  When you are a homeowner, personal liability coverage is usually provided by a homeowner’s insurance policy.  This protects you when losses occur for which you are legally responsible.  When you sell your home and becomes a full-timer, the personal liability coverage provided by the homeowner’s insurance policy is lost leaving you unprotected. Full-timers’ personal liability coverage fills that gap by offering liability protection wherever your travels take you in the U.S.  Most specialty insurance companies actually require full-timers’ personal liability coverage when usage exceeds five months per year.

            Full-timers’ medical payment coverage is an option that is based on another homeowner’s insurance policy coverage.   On a homeowner’s insurance policy, medical payment coverage provides coverage for the homeowner’s medical bills incurred as the result of an accident in the home.   Again, when an individual becomes a full-timer, this protection may be lost.   Full-timers’ medical payment fills this gap by offering coverage for medical bills incurred when the parked RV is being used as a residence.

            Scheduled Valuable Personal Property coverage fills stills another gap.   On a homeowner’s insurance policy, an insured is able to schedule valuable personal items such as jewelry, antiques, and stamp collections.  Full-timers may wish to take such items with them on the road, but without a homeowner’s policy these items are not protected.  Scheduled Valuable Personal Property coverage will cover up to $99,000 for any item, collection, or group of similar items the insured wishes to protect.

            Secured storage personal effects coverage is an option that every full-timer should consider.  When you sell your home, not all your personal effects accumulated over the years can fit into your RV, even if it is forty-five feet long.   Most people store their personal effects in secured storage facilities, but they may not realize that these stored items are not covered in the event of theft or fire.  Secured storage personal effects coverage will cover up to $99,000 worth of personal effects in storage.

            Full-time RVing offers a great feeling of personal freedom. Many jobs also offer the freedom to employees to work virtually, which has also spawned some growth in the number of active full-timers.  During this exciting time, you should have the sense of security that you are adequately protected by your insurance coverage.   We at Explorer Insurance Agency firmly believe that a specialty RV policy provides the best way to ensure a sense of security to enhance the feeling of freedom for full-timers.

Kraig Kelly

Specialty Agent

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