What You Need to Know About RV Insurance Before Moving Into One
- stats336
- 5 days ago
- 3 min read

Living full-time in your RV is a dream come true, but it isn’t just a vacation; it’s your life. After hosting countless guests at our Dallas area RV park and spending thousands of miles on the road in our own RVs, we’ve learned first-hand that insurance for a full-time RVer is not the same as weekend camper coverage. Here, we've answered some of the most common questions we hear from fellow RVers preparing to hit the road full-time.
1. Do I really need special insurance for full-time RV living?
Yes. Standard RV or travel trailer policies are often designed for recreational use only. If you live in your RV most of the year, you’ll want a full-timer’s policy. This adds protections that is similar to homeowners insurance, such as personal liability when your RV is parked and acts as your residence, and broader coverage for your personal belongings.
2. What coverages should I consider?
As you shop around and talk to multiple insurance agents about your options, make sure that the quotes include all of these:
Full-Timer’s Liability – Covers injuries that occur in or around your parked RV.
Personal Property Coverage – Protects your belongings inside the RV.
Comprehensive & Collision – For damage from accidents, theft, weather, or animal encounters.
Uninsured/Underinsured Motorist – Crucial for road safety.
Emergency Expense Coverage – Helps pay for lodging and transportation if your RV is unusable after a loss.
3. How does my “domicile” affect RV insurance?
Your domicile—the state where you register your RV, vote, and hold a driver’s license—affects your premiums, available coverages, and even claim processes. Many full-timers choose states like Texas, Florida, or South Dakota for their RV-friendly laws and tax benefits. The important part is to keep your documents consistent and be transparent with your insurer about your situation. Escapees offers helpful information about why Texas is a great place to establish your domicile.
4. Will my personal belongings be fully covered?
Full-time policies can cover your contents at replacement cost (which is best) or actual cash value (which will cost less, but also reimburse with less). Be aware that high-value items like cameras, drones, or jewelry may need to be scheduled separately for full protection. Experts recommend keeping a photo inventory and receipts for major purchases.
5. Are premiums higher for full-time coverage?
In many cases, yes. Insurers consider full-timers at higher risk since the RV is occupied year-round and travels extensively. However, shopping around with carriers experienced in full-time RV coverage can keep your rates competitive. Many full time RVers have found that bundling roadside assistance or storage coverage can help offset costs.
6. What’s a red flag when shopping for RV insurance?
If an agent tells you to “just list it as recreational use” when you’ll be living in it full-time, then walk away. In addition to being dishonest, misrepresenting how you use your RV can cause a claim denial. You want an insurer who understands full-time living and can explain your policy in plain language.
Full-time RV insurance isn’t just about protecting your rig—it’s about protecting your way of life. Make sure your coverage matches your reality.
We know how tempting it can be to skip the fine print and focus on the open road. But the right insurance gives you the confidence to explore without fear of financial disaster. Take the time to compare carriers, understand your coverage, and work with someone who has walked—or driven—in your shoes.
Looking for a Place to Stay
As you make your plans to hit the road, keep Southern Belle RV Park in mind as you travel through Texas. Our friendly RV park and ranch is the perfect place to book a spot and stay a while, with amenities that include:
Fenced dog park
Wash house
Fire pits
Picnic areas
On site laundry
Vending machines
On site management
Contact us any time with your questions, or book your stay today!
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