With full-timer's insurance, you may be covered for medical payments, items kept in storage and personal items that are lost or stolen. Having this coverage is especially important if you do not have another primary residence. You can pick and choose the best aspects of your RV insurance policy for your needs, but it's important to have 3 basic coverage items. The 3 necessary minimum requirements to protect you and you RV are liability coverage, comprehensive and collision coverage and full-timer's coverage. You're protected with these types of coverage against some of the most common mishaps so that you can enjoy your free time.