- Can my travel trailer go on my truck's auto policy?
- Liability extends from your truck while the trailer is in tow, but physical damage on the trailer itself usually doesn't — you need a dedicated trailer or RV policy for that. We always quote both ways so you can compare.
- What's full-timer's coverage?
- If you live in your RV more than five or six months a year, a standard RV policy often won't cover liability while you're parked at a campsite (like a homeowners policy would). Full-timer's coverage adds that liability and treats the RV more like a residence.
- Does roadside assistance actually cover towing a motorhome?
- Standard auto roadside almost never does — motorhomes need flatbed or specialty wrecker service. RV-specific roadside (often Coach-Net or Good Sam through the carrier) is the only kind that'll actually show up. Make sure you have the right kind.
- How is full-timer vs vacation-use actually rated?
- Carriers ask whether the RV is your primary residence and how many months per year you live in it. Full-timer policies typically rate 30-60% higher than vacation-use because they include premises liability, contents coverage at residential limits, and emergency expense for displacement. If you live in the RV more than 150 days a year, declare it — failing to disclose full-time use can void claims. Many vacation RVers who travel 4-5 months a year still qualify for vacation-use rates, which we confirm at quote.
- Does the policy cover my towed vehicle (toad)?
- Liability extends from the motorhome to a flat-towed vehicle while it's hitched. Physical damage on the towed vehicle requires a specific toad endorsement (typically $50-150/year for $25-50K of value). Without it, the car's own collision policy applies — but a lot of RVers drop the toad's own collision because they assume the RV policy covers it. We confirm and add the endorsement when needed.
- Are built-in generators and solar covered?
- Factory-built generators are usually included in hull/comp coverage automatically. Aftermarket generators, lithium batteries, solar panels, and large electronic packages over a certain dollar threshold need to be listed on the policy schedule for theft and damage coverage. Generator mechanical breakdown is sometimes excluded from comp — a separate equipment-breakdown endorsement covers it. We confirm the schedule before binding.
- Does vacation liability apply when the RV is parked?
- Vacation liability is the coverage that responds when a guest is injured at your parked RV at a campground, RV park, or rest area. It mimics homeowners premises liability. Most standard RV policies include $10,000-$25,000 of vacation liability automatically; full-timer's policies extend it to higher limits ($300,000-$1M). If you frequently host friends or family at the RV, confirm the limit is high enough — a single guest injury can blow through $25,000 quickly.
- I bought the RV in Florida but I'm a Tennessee resident — what state rates it?
- The state of the registered owner's primary residence drives rating, not where the RV is currently parked. A Tennessee resident with a Florida-stored RV registers in TN and pays TN-rated insurance, which is usually less than FL. Florida residents pay FL rates regardless of where they travel. Misrepresenting your primary state to get a cheaper rate is fraud and voids the policy. We confirm residency at application and update if you move.
