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Old 12-19-2014, 10:18 AM   #1
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Insurance while stored for winter

Is there any reason to keep your insurance active when putting the rig away for the winter??
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Old 12-19-2014, 10:41 AM   #2
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I would.
Damage could occur from snow, rain, hail, etc.
Someone accidently run into yours parked.
Mice / Rat Damage
Vandalism

I'm sure there is other reasons, but the only ones I could think of at the moment.
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Old 12-19-2014, 10:42 AM   #3
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Theft, fire, hail damage

and if you're like me, and your trailer is financed, it's required by the lien holder to maintain insurance during the duration of the finance note
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Old 12-19-2014, 11:13 AM   #4
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I would leave it in place.

My separate rv policy with full coverage and replacement value is ~$200 year. If a unit is in storage for 1/2 year, it would not be worth it to me having to deal with my insurance company 2 more times a year canceling and renewing to save $100.
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Old 12-19-2014, 11:23 AM   #5
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We had a big tree limb fall on a car parked here in the driveway... The HOME OWNERs insurance covered the damage. WE use STATE FARM for everything...

I would have expected the CAR insurance to cover it???

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Old 12-19-2014, 04:25 PM   #6
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Considering the relatively low price of RV insurance for 3 to 4 months, Keep it covered. Trust me, damage can happen in the strangest ways. Most of us have too much invested in our rigs to want to take the chance.
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Old 12-19-2014, 06:01 PM   #7
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I wouldn't drop it, but mine is only $110 a year. Even if it were much more, I'd still keep it insured when stored. Crap happens- when you least expect it. What if a thief breaks in, hurts themselves and sues you for providing him "unsafe conditions" while he was robbing you?
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Old 12-19-2014, 06:07 PM   #8
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We just checked with our State Farm agent, and found out that they will suspend the collision coverage for as long as we want, at no charge. So we're suspending it for the months that it won't be on the road, which will save us about 400.00 dollars.


When were getting ready to use it again, we just call them, and tell them to start it again. Great way to save money!
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Old 12-19-2014, 06:33 PM   #9
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Thanks for the sage advice. I will keep it in force. I never thought about the things that can happen during the storgae months. Happy camping!

Jack
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Old 12-19-2014, 11:54 PM   #10
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Just to add another "anything can happen..."

The lot where we store our trailer recently had a car accident next to it and one of the cars in the accident crashed through the fence an hit the tops of 3 trailers.

So yea, anything can happen.
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