Unique Needs of RV Owners: Full-Timers vs. Seasonal Travelers 

Recreational vehicle (RV) insurance may help reduce financial losses if your RV is stolen or damaged by fire, severe weather or other covered events. In New Jersey, how you use your RV can significantly impact your coverage needs.

Coverage Considerations for Full-Time RVers

If your RV is your primary residence, you may need more extensive coverage than someone who uses their RV occasionally. M.L. Ruberton Agency offers full-time RV insurance that may include:

• Liability coverage for incidents that occur in or around your RV
• Coverage for personal belongings kept inside the RV
• Additional living expenses if your RV becomes uninhabitable due to a covered loss
• Higher coverage limits to reflect the increased time spent in the vehicle

Coverage Considerations for Seasonal RV Travelers

If you use your RV mainly for vacations or weekend trips, your insurance needs may be different. We recommend getting RV insurance that includes:

• Standard liability and collision coverage to cover accidents
• Coverage for fire, theft or severe weather damage during storage
• Optional roadside assistance for travel emergencies
• Flexible coverage periods to match your usage patterns

Get RV Insurance in Hammonton, NJ

M.L. Ruberton Agency is here to help you understand RV insurance and secure the appropriate coverage for your lifestyle. Whether you’re living on the road full-time or enjoying seasonal escapes, we can help you compare coverage options, understand state requirements and find suitable policies. Contact our team today to speak with an agent or request a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.