What is full-time RV insurance?

Full-time RV insurance includes optional coverages that provide protection if you use your RV as your permanent residence — typically defined as residing in a motorhome or travel trailer more than six months out of the year. Full-time liability coverage may cover you if you're liable for injuries in or around your RV. Loss assessment coverage on a full-time policy may cover costs incurred from your RV association.

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How does full-time RV insurance work?

Along with the typical coverages on an RV policy, you receive broader RV coverages on a full-timers policy that may protect you if your travel trailer or motorhome is your permanent home, such as:

Personal liability coverage

RV liability coverage can pay for property damage or injuries you're liable for while your travel trailer or motorhome is parked.

At Progressive, you can purchase RV insurance with full-timers coverage. We offer Class A motorhome insurance, Class B motorhome insurance, Class C motorhome insurance and Fifth-wheel trailer insurance.

Medical payments coverage

If a visitor is injured while inside or near your RV, medical payments coverage may cover their medical costs.

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