When you decide to make the open road your home, you need to make sure you are protecting your home. Full-time RV insurance requirements are different than part-time RV insurance requirements.
#1 Be Sure to Disclose Your Full-Time RV Status
Do not hide your full-time RV status from your insurance company. Hiding this from your insurance company could disqualify you when you make a claim.
Plus, as a full-time RV'er, you need more out of your insurance than you do if you only use your RV for weekend and vacation outings. When you live in your RV full time, you need to make sure that your RV and all your belongings are covered.
If you are carrying items of special value with you, you are going to need to pay additional coverage for those items. You also need to carry liability insurance since you don't have liability insurance through your homeowner's insurance anymore. You are also going to want your insurance to provide you with money for alternative housing if your RV is not livable. You need full-time RV coverage, which is more like homeowner's insurance, than a part-time RV policy.
#2 Work to Bundle Your Insurance
Bundle coverage is beneficial. Try to find an insurance company who can also provide you with insurance for any other items you have with you that you need insurance coverage for. For example, if you tow a car, boat, or ATV with you, get your insurance from the same place for all these items. Bundling all the insurance you need for your full-time RV life can help you save money on all of your policies.
#3 Be Careful with Your Business
It has become popular for individuals to run businesses out of their RV. Maybe you run a blog, you run a personal coaching service, or you offer yoga classes on the road. Your business activities and items may not be covered by your personal property coverage with your RV policy or by your RV liability insurance policy.
Check and see if you need a special policy to cover your business equipment and activities. You don't want to find out you don't have the coverage you need because of an accident.
When you decide to start living in your RV full-time, make sure you have an insurance policy that will provide you with all the support and protect you need. To learn more, reach out to insurance companies like United Counties Insurance Group.