Hopefully, for most of the year, your recreational vehicle will be your home away from home. But when winter comes, you'll have to tuck away your RV for the season. did you know that you don’t have to continue paying the same premium for your insurance costs?
It’s more than just a car and it’s more than just a home, and your RV insurance policy reflects that. Since you'll likely store your RV during the winter months, there are some options for lowering your policy cost.
Only pay for comprehensive coverage
Since your vehicle won’t be out on the road, collision and liability coverage are no longer necessities. Your insurance agent can reduce coverage to comprehensive. This will ensure that your RV is still protected from theft, vandalism, fire, water damage, glass breakage, etc.
Remove optional coverages
While in use, towing & substitute transportation may be no-brainers. But during the off-season, you can remove these coverages and save some money on your monthly bill.
Increase your deductible
Talk with your agent about raising your deductible to the highest allowed in order to further reduce your insurance cost during the winter.
Note that some insurance companies require a storage period of at least 90 days.