Do You Need Year-round Coverage for a Seasonal RV?

For some recreational vehicle owners, RVs are a seasonal escape, used primarily during the warmer months. Once the travel season ends, the RV often goes into storage. During this downtime, owners may wonder about the need for year-round coverage.

Does My Seasonal RV Need Year-round Coverage?

Risks remain even if your RV is parked and stored during the off-season. Fire, theft and severe weather damage can still occur. You may also be held liable if someone is injured around your RV while it’s stored.

While it may be tempting to cancel or pause your coverage during this time, doing so can leave you financially exposed. Some insurers may also see gaps in coverage as a lapse, potentially increasing your future premiums.

Many providers offer policies that reflect seasonal use by adjusting coverage during the months your RV is stored. This way, you maintain coverage without paying for full road-use coverage year-round.

What Does RV Insurance Cover?

Standard RV insurance often includes the following offerings:

• Liability coverage may cover property damage or bodily injuries you cause to others.

• Collision coverage may help with your RV’s repair costs after an accident.

• Comprehensive coverage may cover noncollision incidents like fire or severe weather damage.

• Personal belongings coverage may pay to repair or replace your camping gear, electronics and other possessions inside the RV if they were stolen or damaged by a covered event.

• Uninsured and underinsured motorist coverage may provide funds following an accident with an at-fault driver who lacks insurance.

• Roadside assistance coverage may provide towing, tire changes, battery boosts, lockout assistance and emergency fuel delivery if your RV breaks down.

• Emergency expenses coverage may pay for restaurant meals, lodging or transportation costs if your RV becomes unusable due to a covered event while you are traveling.

Get a Quote

Leon Insurance and Tax Services offers affordable RV insurance to drivers in Soledad, California and surrounding communities. Contact us today for a personalized quote.

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.