Personal liability and medical payments coverage found in motor home insurance
policies. A full-timer is a person who uses the motor home as a permanent or
primary residence for at least 150 days per year, although the days do not need
to be consecutive. This coverage is also chosen for persons who do not own a
home, instead relying on their motor home as their residence. The coverage is
similar to the liability and medical payments coverage found in most homeowners
policies.