Fifth wheels carry more square footage, more furniture, and often more full-time living than any other towable — your policy should account for that.
Because fifth wheels are frequently used for extended stays or full-time living, the gap between a generic RV policy and one built for a fifth wheel shows up fast — in personal belongings limits, in coverage for a permanently attached deck or skirting, and in whether the policy even allows full-timer status at all.
We ask upfront whether the fifth wheel is your primary residence, a seasonal-site setup, or an occasional traveler, and build the policy to match — including the higher personal liability and contents limits that full-time living usually calls for.
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Yes. Full-timer RV insurance is a specific policy type designed for exactly this — it adds coverage closer to a homeowners policy, including higher liability and belongings limits, since the fifth wheel is your primary residence.
Attached structures like decks, skirting, and steps usually need to be scheduled as an add-on. Let your agent know about any permanent additions so they're reflected in your policy.
With total-loss replacement cost coverage, you're paid to replace the fifth wheel with a comparable new or current model — not the depreciated value it had the day before the loss.
We're licensed to sell insurance in Pennsylvania and expanding to more states soon. Join the list and we'll reach out as we grow.
