Is Your RV Insured When in Storage? Here is What You Need to Know

Storing your RV during the off-season or when not in use is a common practice for many owners. However, a question that often arises is whether your RV is still insured while in storage.

Understanding the insurance coverage for your RV during storage is crucial to protect your investment and ensure peace of mind. In this blog post, we will discuss what you need to know about insuring your RV when it is in storage.

Check Your Current RV Insurance Policy

The first step is to review your current RV insurance policy. Different insurance providers may have varying policies and coverage options for RV storage. Some policies may offer comprehensive coverage during storage, while others may have limitations or require additional endorsements. 

Carefully read your policy documents or consult your insurance agent to understand the specifics of your coverage.

Comprehensive Coverage vs. Storage Coverage

Comprehensive coverage is an insurance policy that typically covers various risks and perils, both when your RV is in use and when it is in storage. This coverage often includes protection against theft, vandalism, fire, weather-related damage, and other covered events. If your RV insurance policy includes comprehensive coverage, it is likely that your RV will be insured while in storage.

However, some insurance providers offer storage coverage as a separate endorsement or option. Storage coverage typically provides protection against specific risks that may be more likely to occur while your RV is in storage, such as damage from non-moving objects or theft. If your policy includes storage coverage, be sure to understand its terms and limitations.

Secured Storage Facilities and Requirements

Insurance coverage for your RV during storage may be contingent upon certain requirements set by the insurance provider. This can include storing your RV in a secure storage facility that meets specific criteria. Such facilities may have features like gated access, security cameras, and proper lighting. 

Confirm with your insurance provider if there are any specific requirements for the storage facility to maintain coverage during the storage period.

Coverage Period and Notification

Be aware of the coverage period specified in your insurance policy. Some policies may automatically extend coverage during the storage period, while others may require you to notify your insurance provider of the storage and request appropriate adjustments to your policy. 

Make sure you understand the requirements regarding notification or any necessary updates to your policy to ensure continuous coverage while your RV is in storage.

Additional Considerations

While your RV is in storage, there are still potential risks to consider. For example, damage from environmental factors like floods, storms, or leaks may still occur. Rodent infestations, theft of personal belongings stored inside the RV, or damage from neighboring RVs or storage units are also possibilities. 

Understanding your policy’s coverage for these risks and considering additional coverage options, such as personal property coverage or extended storage coverage, can help protect you from unexpected expenses.

The Bottom Line

The insurance coverage for your RV during storage varies depending on your policy and insurance provider. Review your current policy, understand the coverage it offers, and clarify any specific requirements or endorsements for storage coverage.

Ensure that your RV is stored in a secure facility and adhere to any policy requirements regarding notification or updates. Considering additional coverage options and addressing potential risks can provide you with the necessary protection and peace of mind while your RV is in storage. 

Always consult with your insurance provider or agent to understand the specific details of your coverage and any necessary adjustments for storage periods.