Q: What is a park model RV?
A: A park model RV is a recreational trailer built to look like a small home, typically 10–12 feet wide and around 400 square feet. These units include a bedroom, bathroom, and kitchen, and are designed to stay in one place year-round. Once parked, owners can connect utilities such as electricity and water. Park models are essentially a smaller version of a mobile home or cabin.

Q: How is a park model RV insured?
A: Park model RV insurance is usually similar to mobile home insurance, offering dwelling coverage and personal liability protection like a homeowner’s policy, but often at a lower cost. This makes it an affordable option for long-term or seasonal RV living.

Q: What is a stationary trailer?
A: A stationary trailer is a travel trailer or fifth wheel that has been permanently parked. Owners often remove the wheels, add skirting, and build additions like a Florida room, three-season porch, or deck to increase living space.

Q: How is a stationary trailer insured?
A: Insurance for a stationary trailer depends on the carrier’s underwriting guidelines. Some insure it like a travel trailer but without collision coverage, while others insure it like a mobile home.

Q: What’s the difference between a park model and a stationary trailer?
A: A park model is built to resemble a small home and is stationary from the start. A stationary trailer begins as a travel trailer or fifth wheel but is later parked permanently and modified for extended living.

Q: How can I get park model or stationary trailer insurance?
A: Call FCIS today or request a free online RV insurance quote to review coverage options for your park model or stationary trailer.