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Seasonal RV Insurance & RV Lot Insurance: What’s the Deal?

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If you store your RV in a lot or at home during the winter, you may be wondering:

Do I need full coverage RV insurance all year long if I’m not driving my RV?

The answer is no, you do not need full coverage RV insurance. You can drop collision coverage to save money on your RV insurance policy.

However, this may leave you liable if someone else in the storage lot hits your RV with theirs on accident. So, if you’re in an RV lot, you do assume some extra risks.

With that said, let’s take a deeper look into seasonal RV insurance.

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What is Seasonal RV Insurance?

Seasonal RV insurance is a type of insurance that covers your RV when it’s not in use. This can be for a few months out of the year, or even up to 11 months if you don’t plan on using your RV during that time.

This type of insurance is usually cheaper than full coverage RV insurance because you’re not paying for collision coverage while your RV is in storage. It’s a great way to save some money if you’re storing your RV for the winter.

However, seasonal RV insurance does not cover everything. It only has comprehensive and liability coverage.

This means that if your RV is stolen or vandalized while in storage, your seasonal RV insurance will cover it. But, if your RV is hit by another vehicle, you will be responsible for the repairs. So proceed with caution!

Seasonal Versus Permanent RV Lots

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The difference between a seasonal RV lot and a permanent RV lot is that with seasonal lots:

  1. You rent the lot for one camping season and take your RV out at the end of the season.
  2. You rent or own the lot but must take your RV out at the end of every camping season.
  3. You rent or own the lot and can keep your RV there year round, but the campground is only open seasonally.

For insurance purposes, these are priced and quoted exactly the same. The only difference is if your RV is blocked and skirted, at which point you’ll need a different kind of RV insurance.

What Insurance Coverages Do You Need for an RV Parked on a Seasonal Lot?

If you’re planning to park your RV on a seasonal lot, you need to make sure that you have the right coverages in place. We recommend the following:

  • Premises Liability
  • Physical Damage to the RV
  • Contents
  • Outbuildings (sheds, decks, etc)

You can get an RV insurance quote online here and talk to your insurance agent about seasonal RV insurance.

Do You Need to Move Your RV or Have it Checked On if at a Seasonal Lot?

If you’re at a seasonal lot, most likely you will not need to move your RV or have it checked on. But, if you are at a seasonal lot that is only open part of the year, make sure to check with the campground manager about their policies before winter arrives.

You may be required to have your RV moved to a different part of the campground or even off-site. And, if you’re not able to do this, you may be responsible for any damages that occur to your RV over the winter.

RV Storage Insurance

If you store your RV at home or at an RV storage facility, you may want to consider purchasing RV storage insurance. This type of insurance covers your RV while it’s in storage and can be very affordable.

What is RV Storage Insurance?

RV storage insurance usually has comprehensive and liability coverage, but, like seasonal RV insurance, it does not have collision coverage. So, if your RV is hit by another vehicle, you will be responsible for the repairs.

How Much Does RV Storage Insurance Cost?

RV storage insurance is very affordable and usually costs less than $100 per year. It depends on what options you add.

Click here to read our full guide to RV insurance prices.

How to Make Money From Your RV When It’s Not In Use

Outdoorsy Budget RV Rentals

Instead of storing your RV in a lot collecting dust, you can rent your RV out and make extra money with it when you’re not camping!

It’s super easy to get started. You just have to take some photos of your camper and write a description, then list it on an RV rental website like Outdoorsy or RVshare.

Other RV Insurance Articles

Have more questions about RV insurance? Check out these other guides:

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