Do I still need renters insurance?

No — a full-timer's endorsement fills the same role. Do carry a legal domicile state address for registration and licensing.

Living in the RV full-time?

Full-Time RV Insurance Explained (US)

Standard RV policies exclude full-time living. Add a full-timer's endorsement for liability, personal property, and vacation coverage.

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The short answer

A recreational RV policy assumes you use the vehicle occasionally. Full-time occupancy triggers a business-use or residency exclusion. The full-timer's endorsement adds personal liability, medical payments to guests, personal property protection, and loss-of-use — mirroring homeowners cover.

Frequently asked

Do I still need renters insurance?: No — a full-timer's endorsement fills the same role. Do carry a legal domicile state address for registration and licensing.

Your policy is the only source of truth

Stop guessing. Check your actual policy.

Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.

Upload your policy$3 per analysis · $9 for all 4 tools · No subscription