The typical RV insurance from Southern Risk Associates protects you and your recreational vehicle while you travel in it. That type of RV policy protects your vehicle while you drive it around Foley, AL and on road trips. When you retire and decide to use your RV, also called a motorhome, as a permanent home, you need to upgrade to a full timers motorhome policy.
What a Full Timers Policy Offers
Although both types of policy protect your home on wheels, the full-timer’s policy adds coverage, such as added liability coverage. It protects your RV with full coverage, offering both comprehensive and collision protection.
When you live in your motorhome full-time, you typically park it in a single spot served by electrical and water hookups. This means you drive it less, but you also may host guests more often. Once you park it in one spot, you usually make friends with neighbors and host dinners or parties, just as you would in a traditional single-family home. That increases the liability you incur because you raise the risk of an accident in which you would incur fault.
Updating your motorhome insurance to a full-timers policy provides you with the needed protection though. You can add additional living expenses coverage to this policy, so if damage does occur to your RV, for instance, in a hail storm, your insurance pays for your hotel room while you get the RV fixed.
You can also add special coverage for expensive valuables that you keep with you, such as your mountain bikes or jewelry. The full-timers policy essentially offers protection like a home insurance policy.
Give Us A Call
Contact Southern Risk Associates in Foley, AL today to learn how to update your motorhome policy for your new way of life. Let us help you protect your traveling home.