6 Best RV Insurance Options For Full-Time Living Nomads Swear By
Protect your home on wheels with the right policy.
You’ve done it. You sold the house, downsized your stuff, and bought the perfect rig to call home. But as you pull out of your old driveway for the last time, a nagging thought hits you: is my standard RV insurance policy actually enough? The simple answer is no. When your RV isn’t just for weekend trips but is your primary residence, the risks you face are fundamentally different. You’re not a vacationer; you’re a homeowner on wheels, and you need insurance that understands that distinction.
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Your Guide to the Best Full-Time RV Insurance
Choosing insurance for your full-time home is one of the most critical decisions you’ll make. It’s not just about protecting the vehicle; it’s about protecting your entire lifestyle. A standard policy is designed for recreational use, meaning it assumes you have a primary sticks-and-bricks home with its own insurance policy. It often lacks the comprehensive personal liability and property coverage you need when your rig is your one and only address.
Full-timer insurance bridges that crucial gap. It blends the coverage of an auto policy (collision, comprehensive) with the protections of a homeowner’s policy (personal liability, medical payments to others, personal belongings). This hybrid approach is specifically designed for the unique legal and financial exposures of living on the road. Without it, you’re one mishap away from a devastating financial loss.
Think of it this way: if a guest trips on your RV steps at a campsite and gets hurt, a standard auto policy won’t cover their medical bills or a potential lawsuit. A full-timer policy, however, includes personal liability that functions just like it would in a traditional home. It’s this level of protection that separates a prepared nomad from a vulnerable one.
Why Full-Timer RV Insurance Is a Must-Have
The single biggest reason for full-timer insurance is liability protection. When your RV is your home, your legal responsibility extends beyond just driving. You are responsible for your "domicile," which includes your campsite. This coverage protects your assets if someone is injured at your site or if you’re found at fault for damage to someone else’s property.
Beyond liability, this type of policy offers robust coverage for your personal belongings. A standard policy might cover a few thousand dollars’ worth of stuff, which is fine for a weekend trip. But when your entire life—from clothes and computers to tools and kitchenware—is inside that rig, you need coverage that reflects its true value. Full-timer policies allow you to insure your possessions for a much higher, more realistic amount.
Finally, consider the "loss of use" or "emergency expense" coverage. If your RV is damaged in an accident and becomes uninhabitable, where do you go? This coverage provides money for a hotel, rental car, and other living expenses while your home is being repaired. It’s a safety net that ensures a major mechanical failure doesn’t leave you stranded and without a roof over your head.
Good Sam: Comprehensive Coverage You Can Trust
Good Sam is a name every RVer knows, and their insurance offerings are built on that same foundation of community trust. Their full-timer policies are known for being comprehensive right out of the box. They understand that you’re not just insuring a vehicle; you’re insuring a home, and their plans reflect that with high limits for personal effects and liability.
One of their standout features is the optional Full Replacement Cost Coverage. If your newer-model RV is totaled, this coverage helps you replace it with a similar new one, not just its depreciated cash value. This is a game-changer for anyone who has invested heavily in a new rig and wants to protect that investment from a total loss. It provides peace of mind that a catastrophic event won’t set you back to square one.
Good Sam also integrates well with their broader ecosystem of services, like roadside assistance and travel planning. This creates a more seamless experience for the full-timer. Their policies often include benefits like storage coverage, which automatically reduces your premiums when your rig is stored for 30 days or more—a practical feature for nomads who might fly home for the holidays or take an extended international trip.
National General: Tailor Your Full-Timer Policy
National General shines when it comes to customization. They recognize that no two full-time RVers have the exact same setup or needs. Their policies allow you to build a plan that truly fits your lifestyle, whether you’re in a massive Class A with custom solar or a simple fifth wheel you never move.
A key benefit is their specialized coverage for permanent attachments. This includes things like solar panel installations, custom awnings, and satellite dishes that you’ve added to your rig. A standard policy often won’t cover these expensive upgrades, but National General allows you to specifically insure them for their full value, protecting the thousands of dollars you’ve invested in making your RV your own.
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For the more adventurous nomad, they also offer options that other carriers don’t, such as coverage in Mexico and suspended "storage" coverage that can be turned on and off with a simple phone call. This flexibility is invaluable for full-timers whose travel plans are fluid. It means you only pay for the comprehensive protection you need, when you need it.
Progressive: Protect Your Rig and Your Belongings
Progressive is a household name in insurance, and they bring that massive scale and reliability to the RV world. Their full-timer policies are a solid, dependable choice, offering a wide range of standard coverages and unique perks. They make it easy to bundle with other policies, which can be a huge convenience and cost-saver.
One of their most popular features is the Disappearing Deductible. For every claim-free policy period, they reduce your comprehensive and collision deductible, potentially taking it all the way down to zero. This rewards safe driving and responsible ownership in a tangible way. They also offer small but significant coverages, like pet injury protection, that show they understand the realities of life on the road.
What makes Progressive a go-to for many is the balance of strong coverage and competitive pricing. They offer robust options like vacation liability, loss of use, and full replacement cost, ensuring all the critical full-timer needs are met. For those who value the security of a large, established insurer, Progressive is an excellent and straightforward option.
Roamly: Insurance Designed for the Modern Nomad
Roamly is the new player on the block, and they were built from the ground up with the modern RVer in mind. Their entire model is designed to address a major pain point that legacy insurers have ignored: renting out your RV. For many nomads, renting their rig on a platform like Outdoorsy is a great way to earn income while not using it, but doing so typically violates and voids a traditional insurance policy.
Roamly’s key differentiator is that their personal policy explicitly allows you to rent out your rig. There’s no need to switch to a commercial policy or worry about a claim being denied because you had a renter last month. This single feature makes them an almost automatic choice for any full-timer who wants to keep the option of peer-to-peer renting open.
Beyond the rental-friendly approach, Roamly offers all the essential full-timer coverages, including comprehensive, collision, and liability. Because they are part of the Outdoorsy family, they have a deep, data-driven understanding of RVs and how they are used. This allows them to offer competitive rates tailored specifically to the RV lifestyle, not just adapted from an auto policy.
Foremost: Specialized Protection for Your RV Home
Foremost, a subsidiary of Farmers Insurance, has been a specialist in insuring mobile homes and specialty dwellings for decades. This deep expertise translates directly into their RV insurance products. They don’t just see an RV as a big car; they see it as a home, and their coverage options reflect that specialized perspective.
Their policies are known for being incredibly comprehensive, often including coverages that are optional add-ons elsewhere. This includes things like trip interruption coverage, which helps with lodging and transport if you break down far from home, and robust emergency expense allowances. They truly focus on protecting the livability of your RV, not just its road-worthiness.
Foremost is an excellent choice for RVers with high-value rigs or those who want maximum peace of mind. Their claims process is often praised for being handled by adjusters who specialize in RVs, meaning they understand the unique construction and repair challenges. This expertise can make a huge difference when you need to get your home back in working order after a claim.
RVInsurance.com: Compare Your Best Policy Options
This last one isn’t an insurance company, but rather an indispensable tool for finding the right one. RVInsurance.com is a marketplace, a broker that lets you get quotes from multiple top-tier RV insurance providers all at once. In a market where rates and coverages can vary dramatically, this is the single most efficient way to shop.
Using a comparison tool is crucial because the "best" insurer is different for everyone. Your driving record, the type and age of your rig, your state of domicile, and your coverage needs will all impact which company can offer you the best policy at the best price. Instead of spending hours filling out forms on multiple websites, you can do it once and see your options side-by-side.
Ultimately, this empowers you to make an informed decision. You can compare not just the final price, but the specific details of each policy—the deductible amounts, the liability limits, and the optional coverages. It takes the guesswork out of the process and ensures you aren’t overpaying for coverage you don’t need or, even worse, underinsuring your most valuable asset.
Your RV is your castle, your vehicle, and your ticket to freedom all rolled into one. Protecting it properly isn’t a bureaucratic chore; it’s a foundational part of a sustainable life on the road. Don’t just renew your old policy or pick the cheapest option without reading the fine print. Take the time to get multiple quotes, understand what a true full-timer policy covers, and match the plan to your unique nomadic lifestyle. The right insurance is the invisible scaffolding that lets you build a life of adventure with confidence.
