Over the last decade, many people in Las Vegas, NV, have sold their homes and decided to live a nomadic lifestyle in their RVs. If you are one of those people using your RV as your primary home, you should ensure you have adequate coverage to protect yourself and your belongings. Red Rock Insurance can provide advice on finding the right RV policy for your needs.
The Importance of Full-Time RV Insurance
Full-time RV insurance protects owners who live in their recreational vehicles for more than six months during a calendar year. These comprehensive solutions provide peace of mind, giving you all the coverage you would receive from a regular RV policy and more. This type of insurance is similar to a homeowner’s policy, as it covers the owner for personal liability, property damage, injuries to others, and similar risks that could occur while the RV is parked.
Owners using their RVs as primary residences are exposed to additional risks that those who only use them for a few weeks or months out of the year don’t experience. For example, if your motorhome sustains damage that makes it unlivable, you’ll need to find temporary living arrangements until the repair is completed. Similarly, you may need to cover medical and legal fees if someone becomes injured inside your RV.
What Full-Time RV Coverage Provides
Owners who live in their RVs full-time have other considerations, too. Some RV parks charge a homeowner’s association fee for park repairs if you stay at the facility for a specific time length. Full-time coverage generally provides policyholders with higher coverage for liability and medical payments.
Protect your RV home by customizing your policy through Red Rock Insurance, serving residents of Las Vegas, NV. Contact our office today to get started on your coverage.
