Be aware that RV insurance will only cover any losses if you are honest about whether you simply travel in it from time-to-time or you live in it full-time. For example, if you are on a trip and you have a wreck that totally destroys your RV, and your insurer finds out that you are a full-time RVer, they will not pay your claim, and you'll be out of an RV.
Make sure that your RV insurance covers add-ons like satellites, generators, solar panels and awnings. These accessories are what make the RV more liveable, and they are rather costly, so you need to include them in your coverage.
Get total-loss replacement coverage if you purchase a brand-new RV. This type of coverage guarantees that if you suffer a total loss during the first six years of ownership, the insurer will replace the RV with a brand new model, even if it's more expensive than the one you lost.
Apprehend that auto coverage does not offer full-time RV coverage. You need to get a full-timer RV policy that is written to include your specific needs. Make sure to write in higher liability coverage and coverage for bodily injury in the event that you are in an accident that is your fault. That way the insurance will still cover your losses.
Do some online research before making your decision. There are several RV insurers online that specialize in this type of insurance and who know the needs of both part- and full-time RV'ers. Check out Good Sam VIP or RV America.
