Why You Need RV Insurance When It’s In Storage

Owning an RV opens up a world of possibilities. But when you’re not using your RV, you may wonder if you must keep your insurance active while it’s in storage. The answer is yes! We get that question often at Alliance Insurance Services. Here’s how we explain it to our Arvada, CO customers.

Why You Need Insurance Even When Not on the Road 

When you own a recreational vehicle, it’s essential to ensure that your insurance policy protects you even when the RV isn’t in use. Here are four reasons why. 

• Theft & Vandalism: Even when stored in a secure lot or other location, theft, and vandalism can occur anytime, leaving you vulnerable if you don’t have the right coverage. An insurance policy will help protect against these financial losses.
• Comprehensive Coverage: Comprehensive coverage helps cover damage caused by non-collision events such as hail damage and other natural disasters. Even if your RV is parked in storage, comprehensive coverage can provide added protection for your peace of mind. 
• Fire Damage: Fires can happen anytime and anywhere, including storage lots and garages. A good RV insurance policy should include provisions for fire damage so that you’re not left financially responsible for any resulting repairs or replacements. 
• Liability Protection: If someone is injured while on your property, even if it’s only temporary storage space, then liability protection from an insurance policy could help cover the cost of medical bills and other expenses related to their injury.                 

At Alliance Insurance Services, we understand the importance of protecting your recreational vehicle—even when it’s safe in an Arvada, CO, storage facility. Contact our team today to learn more about our RV insurance policies and how they can work for you!