RV insurance is paramount in protecting your recreational vehicle and its occupants. However, the coverage you require can greatly differ depending on whether you use your RV full-time or part-time in Bethlehem, PA.

Full-Time RV Insurance

Full-time RV insurance is for you if your RV is also your primary residence. It offers all-inclusive coverage similar to a homeowner’s policy, ensuring protection for personal liability, personal belongings, and the RV’s structure itself. Full-time RV insurance covers accidents, theft, natural disasters, and liability issues that may arise from living in your RV full-time.

A key aspect of full-time RV insurance includes liability coverage for incidents that happen while the RV is parked and used as a dwelling. This is absolutely essential for full-timers who may entertain guests or need protection from potential legal actions related to accidents or injuries occurring inside or in the vicinity of the RV.

Part-Time RV Insurance

Conversely, part-time RV insurance caters to those individuals who use their RV sporadically, such as for vacations or weekend getaways. This type of insurance coverage provides protection for the RV when it is being used on the road or stowed. Part-time RV insurance guards against collisions, theft, vandalism, and other damages that may occur during travel or while the RV is in storage.

Part-time RV insurance typically includes standard liability coverage for accidents that happen while driving the RV. However, it may not offer the same level of personal liability or personal belongings coverage as full-time RV insurance, as it’s assumed that the RV isn’t your primary dwelling.

Saucon Insurance Agency Is There For You

The Saucon Insurance Agency is here to help when you need insurance information. Our services are available in the Bethlehem, PA area and surrounding regions. Call us today.