Do you live in your RV full-time or spend extended months traveling the open roads of Arizona? If so, standard RV insurance may not be enough. You need something called Full-Timer Liability Coverage.

At Riseson Insurance , we help RV owners in Tempe , Phoenix , Scottsdale , Tucson , Gilbert , Chandler , and across Arizona understand the risks—and how to stay protected year-round.

Full-Timer Liability Coverage is similar to homeowners liability insurance, but it’s designed for people who live in their RV full-time (typically more than 6 months a year). It provides personal liability protection when your RV is parked and used as a residence.

Think of it this way: if someone slips and falls outside your RV at a campground or RV park, and you're legally responsible, Full-Timer Liability helps cover:

Medical bills Legal defense costs Settlements or court judgments

Arizona is one of the top destinations for full-time RVers, especially during fall and winter. But if your RV is your primary residence, your standard RV insurance may not provide enough coverage when you're not driving.

And in cities like Tucson, Scottsdale, or Gilbert, where long-term RV parks are common, this kind of liability protection becomes even more essential.

When you’re living full-time in your RV, you might also want to consider:

Personal property coverage (for electronics, furniture, etc.) Medical payments to others Vacation liability (if you switch between full-time and seasonal living)

Full-Timer Liability is typically affordable and depends on:

Your RV type and value Where you live or travel Your claims history Desired coverage limits

Our team at Riseson Insurance can give you a fast, personalized quote to make sure you’re covered properly—without overpaying.

Whether you're parked long-term in Tempe, road-tripping through Phoenix, or setting up camp in Chandler, Full-Timer Liability gives you the legal and financial protection every full-time RVer needs. Contact Riseson Insurance at 602-460-5470 to receive a free quote.

What Is Full-Timer Liability Coverage?

Why Arizona RVers Need It

Optional Add-ons for Full-Timers

How Much Does It Cost?

Protect Your Mobile Home on the Road

1. Medical bills
2. Legal defense costs
3. Settlements or court judgments

• Personal property coverage (for electronics, furniture, etc.)
• Medical payments to others
• Vacation liability (if you switch between full-time and seasonal living)

• Your RV type and value
• Where you live or travel
• Your claims history
• Desired coverage limits