The short answer
Recreational RV policies assume the vehicle is used for trips and stored the rest of the year. If it is your primary residence, you need full-timer cover, which adds personal liability at the campsite, contents cover at residential levels, and loss of use.
What full-timer cover adds
It fills the gaps that would normally be handled by a homeowners policy.
- Personal liability for injuries occurring at your site, not just on the road.
- Higher personal belongings limits, often $10,000–$100,000.
- Loss of use paying for accommodation while the RV is repaired.
- Medical payments to guests.
- Emergency expense cover if you break down far from home.
Total loss valuation
RVs depreciate steeply. Ask whether the policy settles at actual cash value, agreed value, or total-loss replacement, because the difference on a five-year-old motorhome can run to tens of thousands of dollars.
Confirm which policy you hold
Upload your RV policy to PolicyPal and we tell you whether it is a recreational or full-timer form, what the valuation basis is, and where the liability gaps sit.
Frequently asked
- Does my auto policy cover a travel trailer?
- Liability usually extends to a towed trailer, but physical damage to the trailer itself needs its own cover.
- Is my stuff inside covered?
- Only up to the personal effects limit, which on recreational policies is often just a few thousand dollars.
- Do I still need renters or home insurance?
- If the RV is your only residence, a full-timer policy replaces it. If you also own or rent a home, keep both and avoid double-insuring contents.
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