Living or traveling full-time in an RV or camper is an exciting lifestyle choice for many families and individuals across the USA. However, with the freedom of life on the road comes the need for comprehensive insurance coverage that protects your RV, personal belongings, and liability. Standard auto policies or part-time RV coverage may not provide enough protection if your RV is your permanent residence. This is where RV and camper insurance plans with full-time coverage come in.
In this article, we will discuss 10 of the best RV and camper insurance plans with full-time coverage in the USA, breaking down their benefits, coverage options, and why they stand out for full-time RVers. We will also answer common questions about full-time RV insurance and guide you through choosing the right plan for your lifestyle.
What is Full-Time RV and Camper Insurance?
Full-time RV and camper insurance is a specialized type of coverage designed for people who use their RV or camper as their primary residence for six months or more each year. Unlike part-time RV insurance, full-time coverage provides:
-
Extended liability coverage: Protects you from accidents or injuries that occur in or around your RV.
-
Personal property protection: Covers your belongings inside the RV, similar to a homeowner's policy.
-
Medical payments coverage: Helps cover medical expenses if someone is injured while visiting your RV.
-
Additional living expenses: Pays for temporary housing if your RV is damaged and becomes unlivable.
This level of coverage is essential for anyone using their RV as a home, not just as a vacation vehicle.
Why Do You Need Full-Time RV and Camper Insurance in the USA?
Without full-time RV insurance, you risk being underinsured. Standard auto policies only cover the vehicle aspect of an RV and do not include liability or personal property coverage needed for a residence.
Benefits of Full-Time Coverage
-
Comprehensive protection: Your RV, belongings, and liability are fully covered.
-
Peace of mind: You are financially protected from accidents, theft, natural disasters, and more.
-
Meets lender requirements: If your RV is financed, full-time coverage may be required.
-
Similar to homeowner’s insurance: Coverage options are comparable to what you’d get for a traditional home.
Summary Table: 10 RV and Camper Insurance Plans with Full-Time Coverage in the USA
| Insurance Company | Average Monthly Premium | Liability Coverage Limit | Unique Features |
|---|---|---|---|
| Progressive | $90–$150 | Up to $500,000 | Replacement cost coverage, roadside assistance |
| Good Sam Insurance | $85–$140 | Up to $500,000 | Member discounts, emergency expense allowance |
| National General | $80–$130 | Up to $500,000 | Full replacement cost, vacation liability |
| State Farm | $95–$160 | Up to $500,000 | Strong agent network, customizable coverage |
| Allstate | $100–$170 | Up to $500,000 | Personal property and emergency expense coverage |
| GEICO | $80–$140 | Up to $500,000 | Multi-policy discounts, emergency roadside coverage |
| Farmers Insurance | $90–$150 | Up to $500,000 | Optional storage coverage and roof replacement |
| Foremost Insurance | $95–$155 | Up to $500,000 | Personal liability and trip interruption coverage |
| USAA (for military members) | $85–$140 | Up to $500,000 | Exclusive discounts, replacement cost coverage |
| Safeco | $90–$150 | Up to $500,000 | Emergency assistance, comprehensive damage protection |
Detailed Reviews of the Best RV and Camper Insurance Plans in the USA
1. Progressive
Progressive is one of the most popular providers for RV insurance in the USA.
-
Full-time coverage: Offers a comprehensive policy that protects both your RV and your personal property.
-
Unique benefits: Includes replacement cost coverage, total loss replacement, and roadside assistance.
-
Why it’s ideal: Progressive’s flexible options make it easy for full-time RVers to get the protection they need.
2. Good Sam Insurance Agency
Good Sam specializes in RV and camper insurance, making them a go-to for full-timers.
-
Coverage highlights: Emergency expense allowance, vacation liability, and storage protection.
-
Member discounts: Offers exclusive discounts for Good Sam Club members.
-
Best for: RVers who want specialized coverage and added perks from a well-known RV brand.
3. National General
National General offers robust coverage options tailored to the RV lifestyle.
-
Full-time coverage: Provides liability protection, medical payments coverage, and total loss replacement.
-
Key benefit: Includes vacation liability for part-time RVers transitioning to full-time.
-
Why choose: National General’s customizable policies work for all types of RVs and campers.
4. State Farm
State Farm is a reliable choice for families already insured with the company.
-
Coverage: Full-time RV insurance includes personal property and liability coverage.
-
Strong agent network: Local agents help tailor policies for your needs.
-
Why it stands out: Good for RVers seeking personalized service and bundled discounts.
5. Allstate
Allstate’s full-time coverage is comprehensive and highly customizable.
-
Coverage options: Personal property coverage, emergency expense coverage, and towing.
-
Discounts: Multiple discounts for safe driving and bundling policies.
-
Ideal for: RVers who want well-rounded protection with a trusted insurer.
6. GEICO
GEICO is known for affordable premiums and excellent customer service.
-
Full-time benefits: Includes liability, collision, and comprehensive coverage.
-
Unique feature: Emergency roadside assistance is available 24/7.
-
Best for: Those seeking affordability and ease of policy management.
7. Farmers Insurance
Farmers offers flexible policies ideal for long-term RV living.
-
Coverage highlights: Full replacement cost, storage coverage, and optional roof replacement.
-
Why it’s a good choice: Strong financial backing and flexible add-ons.
8. Foremost Insurance
Foremost is part of the Farmers Insurance family but specializes in RV policies.
-
Coverage: Includes trip interruption coverage and personal liability protection.
-
Strong point: Excellent for high-value RVs and campers needing extra protection.
9. USAA (Military Members Only)
USAA offers exclusive coverage for military members and their families.
-
Coverage: Replacement cost coverage, roadside assistance, and liability protection.
-
Why it’s great: Discounts and superior customer service for eligible policyholders.
10. Safeco
Safeco’s full-time RV insurance is comprehensive and affordable.
-
Coverage highlights: Emergency assistance, medical payments, and comprehensive damage coverage.
-
Unique feature: Offers flexible deductible options for full-time RVers.
Key Factors to Consider When Choosing Full-Time RV Insurance in the USA
1. Liability Coverage Limits
Choose a policy with high liability coverage to protect you financially if an accident or injury occurs.
2. Personal Property Coverage
Ensure your belongings inside the RV are covered, similar to renter’s or homeowner’s insurance.
3. Additional Living Expenses
Full-time RVers need policies that cover temporary housing if the RV is damaged.
4. Roadside Assistance
Frequent travelers benefit from 24/7 roadside assistance for breakdowns and emergencies.
5. Discounts and Bundles
Bundling RV insurance with auto or home insurance can save money.
FAQs About RV and Camper Insurance with Full-Time Coverage in the USA
1. What is the difference between part-time and full-time RV insurance?
Full-time RV insurance offers extended liability and personal property coverage, making it more like a homeowner’s policy.
2. How much does full-time RV insurance cost in the USA?
Premiums range from $80–$170 per month, depending on your RV type, coverage level, and driving history.
3. Does full-time coverage include my personal belongings?
Yes, most policies cover personal items inside your RV up to a certain limit.
4. Can I get full-time RV insurance for a camper trailer?
Yes, camper trailers qualify for full-time coverage if they are used as your primary residence.
5. Do I need full-time coverage if I live in my RV less than six months a year?
No, part-time RV insurance may be sufficient if you only use your RV occasionally.
6. Will full-time RV insurance cover towing and roadside assistance?
Most providers include or offer optional roadside assistance as part of their full-time coverage.
7. Are there discounts for military members?
Yes, USAA and some other insurers offer exclusive discounts for military families.
8. Can I switch from part-time to full-time coverage mid-policy?
Yes, most insurers allow you to upgrade to full-time coverage at any time.
9. Does full-time RV insurance cover natural disasters?
Yes, comprehensive coverage usually includes protection from natural disasters like hurricanes and fires.
10. Is full-time RV insurance required by law?
While it’s not legally required, it is highly recommended if you live in your RV full-time.
Conclusion
Choosing the right RV and camper insurance plan with full-time coverage ensures your home on wheels and your personal belongings are protected, no matter where your travels take you. Companies like Progressive, Good Sam, National General, and State Farm offer strong coverage options, while GEICO and Farmers provide affordable plans with useful add-ons.
When selecting a policy, consider your lifestyle, budget, and the value of your RV. Look for plans that include personal property protection, liability coverage, and additional living expenses for the most comprehensive protection.
Take action today by requesting quotes from multiple insurers to compare premiums and coverage features. Protect your RV and enjoy peace of mind while living life on the road full-time.