This motor home insurance provides personal liability coverage only when the motor home is parked off public roads and while the unit is used for recreational purposes. It does not overlap with or apply to any loss payable under automobile liability coverage. For example, if the insured's friend slips on the step of his parked travel trailer and is injured, coverage is provided under the vacation liability option. It also does not apply if motor home full-timers coverage is purchased instead. Unlike full-timers coverage, which grants broad personal and premises liability coverage, vacation liability applies only to a loss at the campsite or at the motor home. Thus, some insurers refer to this as campsite liability.

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.