{"id":25,"date":"2024-05-31T04:00:00","date_gmt":"2024-05-31T10:00:00","guid":{"rendered":"https:\/\/www.stewartagency.com\/blog\/?p=25"},"modified":"2024-06-07T13:49:49","modified_gmt":"2024-06-07T19:49:49","slug":"what-is-full-time-motorhome-insurance-and-do-i-need-it","status":"publish","type":"post","link":"https:\/\/www.stewartagency.com\/blog\/what-is-full-time-motorhome-insurance-and-do-i-need-it\/","title":{"rendered":"What is Full-Time Motorhome Insurance, and Do I Need It?"},"content":{"rendered":"<p>There is a common misconception among motorhome owners regarding who needs full-time motorhome insurance. The standard for being considered as living in a motorhome full-time is 150 days per year, not 365.&nbsp;Those who spend five months per year in their motorhome may&nbsp;not&nbsp;have proper coverage if they&nbsp;lack&nbsp;full-time motorhome insurance.&nbsp;If you live in or near&nbsp;Elmira, NY, contact our team at Stewart Agency Inc. to ensure you have the motorhome coverage you need.<\/p>\n<h2><strong>What is Full-Time Motorhome Insurance?<\/strong><\/h2>\n<p>Traditional or short-term motorhome insurance works like auto insurance, while full-time motorhome insurance functions like a homeowner&rsquo;s policy. Standard motorhome insurance covers liabilities resulting from an accident while driving, like auto insurance. It covers:<\/p>\n<ul>\n<li>Bodily injury and property<\/li>\n<li>Collision and comprehensive<\/li>\n<li>Medical coverage for you and your passengers<\/li>\n<li>Underinsured motorist coverage<\/li>\n<\/ul>\n<p>Standard motorhome policies do not cover losses&nbsp;that occur&nbsp;when a motorhome is parked, though your homeowner&rsquo;s or renter&rsquo;s policy will cover many losses. However, a homeowner&rsquo;s policy does not cover losses of full-time motorhome residents. Instead, they should have a full-time motorhome policy to cover:<\/p>\n<ul>\n<li>Bodily injury and property in and around your parked motorhome<\/li>\n<li>Personal effects&nbsp;in&nbsp;your motorhome<\/li>\n<li>Motorhome HOA fees for common area losses<\/li>\n<li>Temporary lodging during motorhome repairs<\/li>\n<li>Carports, decks, and adjacent structures<\/li>\n<\/ul>\n<p>As with any insurance,&nbsp;it is best to confirm your coverage before it is&nbsp;needed.&nbsp;So, if you spend more than 150 days in your motorhome, act now to ensure it is covered properly.<\/p>\n<h2><strong>Working with the Stewart Agency Inc.<\/strong><\/h2>\n<p>Our team at Stewart Agency, serving&nbsp;Elmira, NY, is ready to address all your insurance needs. Stop in today or call us at (607)734-6527 to ensure your motorhome and other insurance needs are appropriately covered.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>There is a common misconception among motorhome owners regarding who needs full-time motorhome insurance. The standard for being considered as living in a motorhome full-time is 150 days per year, not 365.&nbsp;Those who spend five months per year in their motorhome may&nbsp;not&nbsp;have proper coverage if they&nbsp;lack&nbsp;full-time motorhome insurance.&nbsp;If you live in or near&nbsp;Elmira, NY, contact [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[13,16,15],"class_list":["post-25","post","type-post","status-publish","format-standard","hentry","category-motor-home-insurance","tag-elmira-ny","tag-inc","tag-stewart-agency"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.stewartagency.com\/blog\/wp-json\/wp\/v2\/posts\/25","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.stewartagency.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.stewartagency.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.stewartagency.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.stewartagency.com\/blog\/wp-json\/wp\/v2\/comments?post=25"}],"version-history":[{"count":1,"href":"https:\/\/www.stewartagency.com\/blog\/wp-json\/wp\/v2\/posts\/25\/revisions"}],"predecessor-version":[{"id":26,"href":"https:\/\/www.stewartagency.com\/blog\/wp-json\/wp\/v2\/posts\/25\/revisions\/26"}],"wp:attachment":[{"href":"https:\/\/www.stewartagency.com\/blog\/wp-json\/wp\/v2\/media?parent=25"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.stewartagency.com\/blog\/wp-json\/wp\/v2\/categories?post=25"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.stewartagency.com\/blog\/wp-json\/wp\/v2\/tags?post=25"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}