RV Insurance for Winter Storage: What You Need to Know

As the temperatures drop, many recreational vehicle (RV) owners will begin thinking about winter storage for their beloved mobile homes. Protecting your RV during the winter months is essential whether you’re a seasoned full-timer or a weekend warrior. One critical aspect of winterizing your RV is ensuring you have the right insurance coverage.

How to Prepare Your RV for Winter

Use the following tips to prepare your RV for winter.

1. Review your current RV insurance policy. Before making any changes or decisions regarding winter storage, closely examine your current RV insurance policy. Familiarize yourself with the coverage you have and any limitations it may have regarding storage. This will serve as your starting point in understanding necessary adjustments.
2. Understand the types of RV insurance. The following are the primary types of RV insurance to consider for winter storage:
   • Comprehensive coverage can cover many risks, including theft, vandalism, fire, and weather-related damage. It is a good choice for those who want to protect their RVs during the off-season.
   • Storage coverage is specifically designed for when your RV is in storage. This coverage is typically more affordable than comprehensive insurance and is intended to protect your RV from fire and theft while in storage.
3. Determine the right coverage for winter storage. Regarding winter storage, the choice between comprehensive and storage coverage depends on your specific needs. The following are some factors to consider:
   • Location—If you are storing your RV in an area with a high risk of theft or vandalism, comprehensive coverage may be a better choice. On the other hand, storage coverage may suffice if you store it in a secure facility.
   • Value of your RV—If your RV is highly valuable, you might want to maintain comprehensive coverage throughout the winter to protect against various risks.
   • Budget—Storage coverage is typically more budget-friendly, which can be a significant consideration if you’re looking to save on insurance costs during the off-season.

RV Storage Insurance in Abbeville, Honea Path and Anderson, SC

Winter storage is necessary to maintain your RV’s longevity and value, and making sure it’s adequately insured during this period is equally important. Contact Select Insurance to discuss your RV insurance needs. We can make policy recommendations based on your specific vehicle and usage. With the right insurance coverage and proper winterization, you can rest easy knowing your RV is protected during the cold months, and you’ll be ready for your next adventure come spring.

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.