Special RV insurance designed specifically for people who live in their RVs full-time, and have no other residence. Your RV is also your home so you need special coverage that normal auto insurance can't cover. Some insurance for RVs will not cover losses if you are found to be living full-time in motor home. Insurance companies need to know that you require more comprehensive coverage.

With Full-Timer Coverage for recreational vehicles, insurance coverage includes comprehensive personal liability insurance, which, like a homeowners policy, will pay for property damage and bodily injury caused by an accident where you are found to be at fault. It may also cover personal injuries you sustain in or about your RV, additional living expenses and coverage for stored personal effects.