Full-Timer's Liability

If you live in your toter home full time, it isn't just a vehicle — it's your residence. Full-timer's liability closes the gap that a standard commercial auto policy leaves wide open once the coach stops being a truck and starts being a home.

Full-Timer's Liability includes:

• Premises liability for guests injured on or around the coach while parked
• Coverage for incidents that happen while the toter is your primary or seasonal residence
• Loss-of-use coverage if the coach is damaged and uninhabitable
• Personal liability protection comparable to a standard homeowners policy

Why This Matters for Full-Time Owners

A standard commercial auto policy is written around driving exposure — it has no concept of the coach as a dwelling. Once you're living in it full time, parked at a campground, a track, or a private lot, you need the same kind of liability protection a house gets, built onto a vehicle policy.

Seasonal and Full-Time Options

Not every toter home owner lives on the road year-round. We write full-timer's liability for both full-time residents and seasonal owners who split time between the coach and a fixed address.

Summary

If your toter home is where you sleep more nights than not, a policy that only covers driving exposure is leaving you exposed. Full-timer's liability is the piece that makes the coverage match how you actually live.