If you’re a snowbird who spends the winters in Florida, you may wonder if you need a year-round RV insurance policy. The answer depends on several factors, including how often you use your RV and where you keep it when you’re not using it.
What is RV Insurance?
RV insurance is similar to auto insurance because it protects your vehicle in case of an accident or other damage. However, RV insurance also includes coverage for belongings inside the RV and any medical expenses you or your passengers may incur.
There are two types of RV insurance: comprehensive and collision. Comprehensive insurance covers damage to your RV that an accident does not cause, such as fire, storm, theft, or vandalism. Collision insurance covers damage to your RV caused by an accident.
Most people who live in their RVs full-time will need both types of coverage.
Kingdom Tree Insurance Group can help you find the right RV insurance policy for your needs.
Do I Need a Year-Round RV Insurance Policy?
You don’t need a year-round RV insurance policy if you’re not using your RV. For example, if you store your RV in a garage during the winter, you probably don’t need insurance.
You also don’t need a year-round policy if you only use your RV occasionally. If you only take it out for weekend trips or vacations, you can get away with a policy that covers you for those specific times.
Storage insurance is much cheaper than comprehensive and collision coverage because it only covers your RV while in storage. It doesn’t cover any damage that may occur while using it. Instead, you can secure your RV with storage insurance when it’s not in use.
Kingdom Tree Insurance Group can help you find the right RV insurance policy for your needs, whether you need year-round coverage or storage insurance.