Do I need to insure my RV for the entire year if I only use it in the summer?

An RV is a great way to travel around the country while keeping your independence. Many people retire and use their RVs as their primary residence, staying wherever they want for as long as they want. If you only want to use your RV for summer months, you may be trying to find ways to cut expenses.

Seasonal Insurance Policies

As with any other vehicle driven on public roads, all RVs are required to have basic liability insurance. As a resident of Mt. Ephraim, NJ, you may want to travel during the summer to take advantage of the pleasant weather. When you go to Marino Agency Inc. to obtain your policy, you may wish to obtain other types of coverage for the times when your RV is not on the road. It is sometimes possible to have coverage for the times when you will be using your vehicle. If you plan on storing it away for the winter, the plan could possibly be put on hold until the warmer months start to emerge.

Things to remember and requirements that you may need to continue

  • Towable RVs are not driven, so they do not necessarily need to be insured unless they are being financed.
  • If you are financing your RV, it is probably part of the terms of your agreement that you maintain full coverage until you have finished making payments. Your lender may even purchase an expensive policy for you if you fail to do so.
  • Even when you are not driving your RV, it is vulnerable to different kinds of loss. If left outside, your RV could be damaged by storms or vandalism. Even if stored safely in a closed structure, your RV could be destroyed in a fire.

Your RV is one of your most valuable and valued possessions, and it makes sense to protect it. Please contact Marino Agency Inc. in Mt. Ephraim, NJ if you are in or around New Jersey and have any questions about obtaining coverage for your RV.