In today’s world of adventurous living, more individuals are embracing the freedom of full-time RV living. Whether for a year-long sabbatical or a permanent lifestyle choice, living in a recreational vehicle (RV) offers flexibility and excitement. However, along with the joys of the open road come responsibilities, particularly the need for comprehensive insurance coverage. Selecting the right insurance for your full-time RV requires careful consideration of factors like coverage options, customer service, and financial stability of the insurer. To aid in this decision-making process, we’ve compiled a list of the 7 best full-time RV insurance options available as of July 2024.
1. GoodSam RV Insurance
GoodSam RV Insurance stands out for its tailored coverage options designed specifically for RV owners. They offer extensive coverage for both the vehicle itself and personal belongings inside the RV, making it ideal for those who live in their RV full-time. Their policies often include roadside assistance and coverage for full-time RV dwellers, addressing unique needs such as liability protection when parked long-term. GoodSam’s strong customer service reputation and nationwide network of repair facilities further enhance its appeal among RV enthusiasts.
2. Progressive RV Insurance
Progressive is a well-known name in the insurance industry, and their RV insurance offerings are no exception. They provide customizable policies that cater to full-time RVers, offering options for comprehensive coverage, including collision, liability, and personal effects coverage. Progressive’s policies often include unique features like full-timer coverage and emergency expense coverage, which are crucial for those living on the road permanently. Their competitive pricing and user-friendly online tools for claims and policy management make them a top choice among RV owners.
3. National General RV Insurance
National General offers specialized RV insurance tailored to the needs of full-time RVers. Their policies include comprehensive coverage options that extend beyond typical auto insurance, such as coverage for personal belongings, vacation liability, and emergency expenses. National General’s reputation for customer service excellence and their understanding of the unique lifestyle of full-time RV living make them a preferred choice among many RV enthusiasts. Their flexible policy options and optional add-ons ensure that RV owners can customize coverage to fit their specific needs.
4. RV America Insurance
RV America Insurance specializes in providing insurance solutions for RV owners, including those who live in their vehicles full-time. Their policies are designed to offer comprehensive coverage for both the RV and personal belongings, ensuring that full-time RVers are protected against a wide range of risks. RV America’s commitment to customer service and their knowledge of the RV lifestyle make them a reliable choice for those seeking insurance coverage tailored to their unique needs. With options for roadside assistance and vacation liability coverage, RV America stands out as a provider that understands the challenges and rewards of full-time RV living.
5. Allstate RV Insurance
Allstate is a well-established insurance company that offers comprehensive RV insurance policies suitable for full-time RVers. Their coverage options include protection for the RV itself, personal belongings, liability, and roadside assistance, making them a versatile choice for those living on the road. Allstate’s strong financial stability and nationwide network of agents ensure that RV owners can receive support and service wherever their travels take them. With features like accident forgiveness and customizable coverage limits, Allstate provides peace of mind for full-time RVers seeking reliable insurance protection.
See Also: Top 5 Best RV Travel Insurance
6. Foremost RV Insurance
Foremost Insurance specializes in RV coverage, offering policies tailored to the unique needs of full-time RVers. Their comprehensive insurance options include coverage for the RV, personal belongings, and additional living expenses, ensuring that RV owners are protected both on the road and at their destination. Foremost’s flexible policy terms and optional add-ons allow for customization based on individual preferences and budgetary considerations. Their commitment to customer service and quick claims processing makes Foremost a preferred choice among many full-time RVers seeking reliable insurance coverage.
7. Safeco RV Insurance
Safeco, a subsidiary of Liberty Mutual, provides RV insurance policies designed to meet the needs of full-time RVers. Their comprehensive coverage options include protection for the RV, personal belongings, liability, and emergency expenses, ensuring that RV owners are adequately protected no matter where their travels take them. Safeco’s competitive pricing and customizable policy features make them a popular choice among full-time RVers seeking reliable insurance coverage. With 24/7 claims service and a reputation for customer satisfaction, Safeco offers peace of mind for those living the RV lifestyle.
Conclusion:
Choosing the right insurance for your full-time RV is a critical decision that requires careful consideration of coverage options, customer service, and financial stability. The 7 best full-time RV insurance options of July 2024 highlighted in this article provide a range of choices to suit different preferences and needs. Whether you prioritize comprehensive coverage, competitive pricing, or specialized services for full-time RV living, these insurers offer reliable solutions to protect your home on wheels. Before making a decision, evaluate each provider’s offerings and consult with their representatives to ensure you select the insurance that best meets your requirements as a full-time RVer.
FAQs
1. Who has the cheapest insurance for RVs?
Nationwide, Progressive and Allstate are our top three picks for the cheapest RV insurance providers. The cheapest type of RV coverage is liability insurance, which is required for driveable RVs. RV insurance can be as cheap as $125 per year for basic coverage.
2. How much is RV insurance in Florida?
How much is RV insurance in Florida? The average premium for a 12-month RV insurance policy at Progressive for 2023 was $1305 for a motorhome and $733 for a travel trailer. While Florida may be more costly for RV insurance compared to other states, Progressive offers RV insurance for as little as $125/year.
3. What is RVs in insurance?
A relative value schedule (RVS) is a list of procedures for a surgery and the amount for each procedure. Insurance companies will reimburse the amount or pay for it depending on the particulars of the health policy.
4. What is a toterhome?
Toterhomes are niche RVs tailored to individuals or teams involved in activities that require powerful towing capacity and living accommodations. While they may not be the right choice for every traveler, they offer a specialized solution for those with specific towing and living needs.
5. How much is an RV park per month in Florida?
The cost of staying in an RV park in Florida for a month can vary significantly depending on factors like location, amenities, and time of year. On average, monthly rates can range from $500 to $1,500 or more.
