An RV isn’t just a vehicle. It’s either a rolling vacation home or your year-round address. In Asheville, NC, that distinction changes everything. A part-time policy assumes the RV spends most of the year parked and unused, focusing on road risks, storage damage, and seasonal travel protection. Full-time coverage, on the other hand, treats the RV like a primary residence, offering protections similar to a homeowners policy—liability if someone gets hurt at your campsite, personal property coverage for everything inside, and extended loss-of-use benefits.

Where Coverage Gaps Catch RV Owners Off Guard

Part-time RV insurance often looks less expensive, but it can leave you unprotected if you live in the RV more than the policy allows. If you’re practically a full-timer but hold a part-time plan, a claim may be denied outright. Full-time plans, meanwhile, include extras that occasional users don’t necessarily need—but without them, you could face out-of-pocket costs for medical bills, stolen personal items, or lawsuits after someone gets injured. At Asheville Insurance Center, we review how you actually use your RV around Asheville, NC, to match your coverage to your reality—not just the label on your registration.

Making the Right Call Before You Hit the Road

The best choice comes down to two questions: How many days a year is the RV in use, and where is it stored when you’re not traveling? If you spend more than six months living in it or treat it as a permanent address, full-time coverage is usually the safer option. If you’re a weekend explorer with secure storage, part-time coverage might meet all your needs. At Asheville Insurance Center, we ensure your RV policy fits your Asheville lifestyle, so your next trip doesn’t come with unwanted surprises.

If you’re unsure whether your RV life falls into full-timer or part-timer territory, call us today. We’ll walk you through the details and get you covered for the miles ahead.