Retiring with your RV? Take insurance with you

When you retire, you might not feel tethered to a specific location any longer. If you own an RV, your might plan to make it your permanent home. Still, by doing so, you must make its protection your priority. You’ll need specialty insurance coverage if you become a full-timer. What forms should this coverage take?

You can travel the country in retirement in your RV. You’ll have practically all the comforts of home at your fingertips. Don’t think twice about insuring them, however.

Understanding Coverage for Full Timers 
When you live in your RV permanently, that’s different from using it only for vacations. The RV will likely come to symbolize most of your worldly possessions. So, it will function as much as a home as it will a vehicle. It’ll also represent more monetary value than a standard-use vehicle.

Because of the specialty use of your vehicle, you’ll need more than just RV auto insurance. You’ll need what most insurers call full-timer’s insurance. It functions, in many ways, like your standard homeowners insurance. You’ll buy this coverage in addition to your existing RV coverage. It’ll provide a more comprehensive bubble for your protection.

Protection Under Full Timers Coverage 
If you decide to live in your RV full-time, notify your RV insurer. Standard RV policies often do not cover full-time users automatically. You’ll need to tell your agent that you need coverage. As a note, you’ll might need to prove that you do not own a home to qualify for protection.

When you get your coverage, it will likely extend to the RV and the spaces you occupy at RV parks or other properties. Your policy might include elements of protection like:

Don’t forget, you cannot disregard your standard vehicle insurance for the RV. However, you might be able to buy full-timer coverage on the same policy as vehicle insurance. Ask your insurance agent which options are best for you. They’ll help guide you through the enrollment process.