Protecting Your Home on Wheels: Full Timer's Coverage Explained

If you live in your RV more than six months out of the year, your insurer considers you a full-timer. And full-timers need a different kind of protection.

A standard RV policy is built for recreational use — weekend camping, summer road trips, maybe a month at a campground. But when your motor home or travel trailer is where you live, you need coverage that works more like a homeowner's policy. The Full Timer's Package fills that role.

The Full Timer's Package is a bundle of four coverages that together give you homeowner-like protection for life on the road. If you live in your RV more than six months per year, most programs require this package — it's not optional.

The package includes four coverages:

1. Full Timer's Personal Liability

This works like the liability coverage on a homeowner's policy. It pays for bodily injury and property damage you're legally responsible for while your RV is used as your primary residence.

Your "insured location" includes wherever you're parked and living — whether that's an RV park, a family member's property, or vacant land you own or rent.

Limits are available up to $500,000 combined single limit, with several options:

• $50,000/$100,000
• $100,000/$300,000
• $250,000/$500,000
• $300,000 CSL
• $500,000 CSL

Without this coverage, if someone is injured at your campsite or where your RV is parked, you'd have no liability protection. Regular RV liability only covers accidents while driving.

2. Full Timer's Medical Payments to Others

If a guest is injured at your RV residence — say they trip on your steps or your awning collapses — this coverage pays their medical expenses up to $5,000 per person and $50,000 per occurrence. No lawsuit needed; it pays regardless of fault.

This is reduced by any amount paid under your standard medical payments coverage, so there's no double-dipping.

3. Full Timer's Loss Assessment

If you're staying in an RV park or community with a homeowner's or property owner's association, you could be assessed charges for covered losses. This coverage pays up to $5,000 for those assessments — whether they're related to an accident, a single loss, or the actions of a director or officer of the association.

4. Full Timer's Shed/Storage Contents

Full-timers often rent or own a storage shed near their home base. This coverage pays up to $5,000 for personal effects stored in that shed, regardless of where your RV is at the time of loss.

This pairs well with Replacement Cost Personal Effects coverage (which we'll cover in the next post) for broader protection.

Emergency Expense coverage works differently for full-timers, and it's worth understanding why.

For recreational users, this coverage kicks in when a covered loss or breakdown occurs more than 50 miles from home. But for full-timers, it triggers at any distance — because your RV is your home.

If a covered loss or evacuation leaves you unable to use your RV, this coverage reimburses temporary living costs, transportation, food, fuel, and even rental car expenses while repairs are completed.

Full-timers can purchase up to $7,500 in Emergency Expense coverage, compared to $2,000 for recreational users. When your RV is your only home, this extra coverage can be a lifeline.

It's excess coverage. The Full Timer's Package pays after any other applicable insurance. If you have another policy that covers the same loss, that policy pays first.

It's required, not optional. If you live in your RV more than six months per year, you must carry this package. If your insurer finds out you're full-timing without it, you could have a coverage gap when you need it most.

It doesn't replace driving coverage. The Full Timer's Package covers you while parked and living. Your standard liability, comprehensive, and collision coverages still handle everything while you're on the road.

We talk to more and more people every year who are going full-time — retirees, remote workers, folks who just want a different pace of life. It's a great way to live. But a basic RV policy wasn't built for it. The Full Timer's Package gives you the same kind of protection a homeowner has, just adapted for life on wheels.

If you're full-timing or seriously considering it, give us a call at our Point Pleasant office. We'll set your coverage up right from the start.