Are you contemplating selling your home and embarking on a journey across the United States in your recreational vehicle (RV) during your retirement? This lifestyle is becoming increasingly popular, with around one million people doing so in 2024. While planning this exciting chapter of your life, it’s easy to overlook your insurance needs. However, full-time RV living in Fort Worth and other parts of the US presents unique insurance considerations.
Insurance Considerations for Full-Time RV Living
Living in your RV full-time presents several potential situations you need to protect yourself against, including fire, theft, and natural disasters. If you drive your RV (as opposed to towing it or having it permanently parked in a single lot), you’ll also need liability and collision insurance. Even if your RV is stationed at a permanent campsite, you’ll need some liability coverage to protect you against litigation costs if someone sues you for incidents like falling on your walkway or getting bitten by your dog.
Health insurance can also be a concern if you travel around the country in your RV. Many health insurance policies, including many Medicare Advantage programs, are regional. With these policies, healthcare providers outside your region are often considered out-of-network and subject to higher co-pays, if they are covered at all. It’s advisable to discuss your situation with your insurance professional.
To learn more about insuring your RV and for all your insurance needs, contact SWH Insurance Agency LLC. We’ve assisted Fort Worth area residents with their auto, home, commercial, and other insurance needs for over 20 years.
