Full-Time vs. Part-Time Living RV Insurance

RV insurance is a type of recreational insurance. One of the important considerations when selecting a policy is whether you will be living in your RV part-time or full-time. At Kinowski Agency Inc., in Amsterdam, NY, we offer policies for full-time and part-time RV use. 

What is Full-Time RV Use?

Part-time RV use applies to those who use their RV for short periods of time. Full-time RVers, on the other hand, reside in their RV for long periods. 

Some RV owners think that you must stay in your RV all the time to qualify as a full-time RVer. However, this isn’t the case. If you spend 150 nights or more in your RV, this is considered full-time RV living. 

Difference Between Full Time and Part Time Coverage

Both full-time and part-time RV insurance cover the RV, your possessions, and some liability. However, full-time insurance is more comprehensive. 

Part-time RV insurance provides general liability protection. It will cover damage to another vehicle or other’s property in the event of an accident. Part-time RV insurance is similar to an auto policy, with some features of a homeowner’s policy. 

Full coverage RV insurance will also cover your RV, and the possessions within the RV. This has many similarities to a homeowner’s policy, with some features of an auto policy as well. Full-time RV insurance offers the same coverage as part-time RV insurance but typically has higher coverage limits.  You can also add under/uninsured injury and property coverage, and vacation liability coverage. 

Get Recreational Insurance with Kinowski Agency Inc. Today

If you need recreational insurance in Amsterdam, NY, contact Kinowski Agency Inc. We offer recreational vehicle insurance, as well as many other types of insurance. Our friendly agents will discuss your needs and help you select the best policy for your needs.