Off-season Coverage: Why RV Insurance Is Still Important

Many recreational vehicle (RV) owners primarily use their motorhomes, campers and trailers throughout the warmer parts of the year, enjoying outdoor adventures and nature escapes while parking their homes on wheels for the winter. However, just because you don’t plan to use your vehicle until next spring doesn’t mean you don’t have to think about your RV insurance coverage. Pausing or altering your policy requires careful consideration.

Understanding Off-season Risks

Even when your RV is not in use, it can still be exposed to a variety of risks. Unpredictable weather, theft, vandalism and accidental damage can all occur while your vehicle is in storage or even parked within the confines of your own garage. For example, heavy rain and powerful winds may cause tree limbs to fall or floodwaters to rise. Additionally, RVs can be targets for theft or break-ins, especially when left unattended for extended periods. Alternatively, especially if you’ll be leaving your vehicle in a shared garage or storage facility shared with other occupants, it could be struck in a collision.

What Does Off-season RV Insurance Cover?

Maintaining RV insurance during the off-season can help protect you from unexpected expenses. Key coverages may include:

• Comprehensive coverage can financially protect against noncollision events like fire, theft, vandalism and weather-related damage.
• Collision coverage can help pay for repairs if someone crashes into your RV, even while it’s parked.
• Personal property coverage may account for belongings kept inside your RV if they’re damaged or stolen.

Do I Still Need Coverage During the Off-season?

Even though you may think the off-season is an opportunity to save money by pausing or reducing your insurance coverage, doing so could leave you without suitable financial protection. Accidents can still happen even when your RV is stationary. Additionally, your lender may require you to maintain insurance if you’ve financed your vehicle, despite it being laid up for the winter.

How Our Team Can Help

At Baja Insurance Services, we understand the unique coverage needs of RV owners retiring their vehicles for the off-season. Our team can help you assess your options and maintain suitable coverage throughout the year.

Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.