Your RVs insurance, if purchased from a specialized agency, can be used to save money and protect your investment while it’s being stored. If you plan on being a part-time RV-er, then you know you will have long stretches of time in which your motorhome is not being used.
Use your policy to your best advantage with these options:
Suspend coverage during storage
If you plan on storing your vehicle for a long period of time, such as during the summer months, then you can suspend coverage while it’s in storage. This means that the coverage you use for driving will be postponed, an option that can save you hundreds when you aren’t using the vehicle anyway.
Make sure you have “critter coverage”
No matter where you store your vehicle, when it’s not being used it becomes a target for mice, squirrels, and other animals. A typical car insurance company will not provide coverage for this common problem. But a specialized agent knows that these creatures can do a lot of damage, especially by chewing on wires and lines. That’s why a specialized policy works for you to secure your best interest–agents who understand all the details of RV ownership know how frustrating these problems can be. Most importantly, they provide a policy that covers the damage.
Full Replacement Cost Coverage
If your vehicle is damaged or stolen during the first 5 years of ownership, even if you only drive it part time, a specialized policy can provide a full cost replacement. Most automobile insurance companies either do not provide this option, or they limit it to a mere year after purchase.
Buying a specialized motorhome insurance policy is the best way you can protect your investment, especially if you only plan to drive your RV part-time.
