Author: admin

Florida’s warm climate makes it easy to forget that many RV owners in other parts of the country store their motorhomes during the off-season. Whether you’re a full-time Floridian or a snowbird escaping the winter chill, it’s important to understand how seasonal storage affects your motorhome insurance coverage. Americas Insurance Associates, serving Florida residents, can help you navigate these considerations.

Why Storage Isn’t a Coverage-Free Zone

Many RV owners assume that storing their vehicle in a garage, carport, or RV lot reduces the need for full insurance. However, your motorhome is still at risk, just in different ways. Fire, theft, vandalism, and weather-related damage can occur even when the vehicle is parked. For this reason, most insurers recommend maintaining comprehensive coverage during storage periods. Comprehensive coverage protects you from losses unrelated to driving but still associated with significant costs.

Can You Lower Costs During Storage?

Yes, many insurance providers allow you to switch to a "storage-only" plan, where collision coverage is temporarily paused while comprehensive coverage remains active. This adjustment can lower your premium during months when you don’t plan to drive your RV. However, this option typically requires notifying your insurer in advance and confirming that the motorhome will not be driven at all during the storage period.

Don’t Forget Liability Considerations

If your motorhome is stored in a shared or public area, you may still be liable for damage it causes, such as rolling or leaking fluids. Liability coverage may still be necessary, even during storage.

Speak With Your Agent

Before adjusting your policy for seasonal storage, talk to your insurance agent at Americas Insurance Associates, serving Florida residents. They can guide you through your options and ensure your coverage aligns with how and where your motorhome is stored. Taking this simple step can help protect your investment year-round.

Many Florida residents own motorhomes, which they use either for recreational purposes or as primary residences. Either way, motorhomes are invariably stocked with personal possessions ranging from items of clothing to furniture and even family heirlooms when the motorhome is used as the primary residence.

Motorhome Insurance Security

For the reasons mentioned above, motorhome owners carry insurance, often with Americas Insurance Associates serving Florida residents. Having insurance coverage helps to make sure that the motorhome may be repaired or replaced in the event of an incident. But does that insurance cover the contents of a motorhome, or just the motorhome itself?

Personal Effects Often Part of Coverage

Most motorhome insurance policies offer personal effects coverage as part of a comprehensive plan. This coverage typically reimburses you if items inside your motorhome are stolen, damaged, or destroyed by covered events like fire, vandalism, or severe weather. However, coverage limits may apply, so it’s important to review your policy with your insurance representative to ensure it provides adequate protection for your unique belongings.

Items that carry a high value, such as expensive electronics or jewelry, may not be fully covered under a standard policy. To safeguard these items, you may need to add a personal property endorsement or schedule them separately. Policies may also specify whether they cover the replacement cost of your items or only their depreciated value, an important difference.

It’s worth noting that some motorhome owners may also rely on their homeowners or renters insurance for personal property coverage. While these policies often extend to belongings temporarily stored in a motorhome, they might have lower limits or exclusions that don’t apply under a dedicated motorhome insurance policy, so you should consider carrying motorhome insurance specifically.

Speak with your insurance provider at Americas Insurance Associates serving Florida to better understand your coverage for contents. Contact us today to get started.