Storage Coverage

Nothing says "I'm gonna stay here for awhile" like a deck that you pull up to or a hanging plant outside your RV.

This question comes up all the time.

You: "My neighbor in the campground puts storage coverage only on his RV while he's parked at his spot for the winter. Can I do that?"

Me: "Are you a Full Timer??"

You: "Yes!"

Me: "No."

At this point, I know that my repsonse has not made you happy and now you are questionning me, your insurance company, the unfairness of it all.......

Basically, being a Full Timer means that you have a specifically written policy that takes into account that you live in the RV Full Time. They have already factored in that most likely you will not be driving around the entire time and that you will be staying for extended periods at one place or another. They realize that there will be periods of time where you won't be at risk of a Liability claim on the road or a Collision claim while in an RV park and the rates already reflect that.

If you decide to buy a home or rent a condo and purchase Homeowners Insurance or Renters Insurance and you are at that home for 6 months or more, then you can remove the Full Timer status from your RV insurance and when it goes into storage or if you park it at the lake for the summer, then you certainly can modify your coverage to accomodate this because you have the other policy to cover what you are removing from the RV policy.

Beware that if you have a newer rig that has Replacement Cost coverage, or a Diminished Deductible credit, you will most likely lose both of those if you drop the Collision and a few of the companies will not allow you to add it back on.