What's the difference between recreational RV and full-timer RV insurance?

Recreational RV insurance is the default policy structure for owners who use their motorhome or trailer for vacation, weekend trips, or seasonal use. It covers physical damage, liability while operating, and personal effects with sublimits in the $5K to $25K range. Full-timer RV insurance is designed for owners who live in the rig as their primary residence (no other home). Full-timer policies include broader personal liability that responds when the RV is parked at a campground (similar to homeowners liability), higher contents limits, and loss-of-use coverage for extended displacement. Disclose your use pattern honestly at quote, because misrepresenting full-time use under a recreational policy can be a coverage defense at claim time.