What is Full-Time Motorhome Insurance, and Do I Need It?

There is a common misconception among motorhome owners regarding who needs full-time motorhome insurance. The standard for being considered as living in a motorhome full-time is 150 days per year, not 365. Those who spend five months per year in their motorhome may not have proper coverage if they lack full-time motorhome insurance. If you live in or near Elmira, NY, contact our team at Stewart Agency Inc. to ensure you have the motorhome coverage you need.

What is Full-Time Motorhome Insurance?

Traditional or short-term motorhome insurance works like auto insurance, while full-time motorhome insurance functions like a homeowner’s policy. Standard motorhome insurance covers liabilities resulting from an accident while driving, like auto insurance. It covers:

• Bodily injury and property
• Collision and comprehensive
• Medical coverage for you and your passengers
• Underinsured motorist coverage

Standard motorhome policies do not cover losses that occur when a motorhome is parked, though your homeowner’s or renter’s policy will cover many losses. However, a homeowner’s policy does not cover losses of full-time motorhome residents. Instead, they should have a full-time motorhome policy to cover:

• Bodily injury and property in and around your parked motorhome
• Personal effects in your motorhome
• Motorhome HOA fees for common area losses
• Temporary lodging during motorhome repairs
• Carports, decks, and adjacent structures

As with any insurance, it is best to confirm your coverage before it is needed. So, if you spend more than 150 days in your motorhome, act now to ensure it is covered properly.

Working with the Stewart Agency Inc.

Our team at Stewart Agency, serving Elmira, NY, is ready to address all your insurance needs. Stop in today or call us at (607)734-6527 to ensure your motorhome and other insurance needs are appropriately covered.