What RV Insurance Covers During the Off-Season

Off-season often means storing your recreational vehicle until warmer weather returns. But what happens to your recreational vehicle (RV) insurance policy during these months? Our team at Bicent Insuremart Agency, Inc. is here to help you understand what your policy may cover (and what it may not) while your RV is off the road.

Understanding Off-Season RV Insurance Coverage

Many RV owners assume that storing their vehicle means they can pause or drop insurance, but this can leave you exposed to financial risks. Most standard RV insurance policies in Illinois continue to offer coverage even when your RV is not in use. Here’s what you can typically expect:

• Comprehensive coverage. This part of your policy may insure your RV against non-collision incidents such as theft, vandalism, fire or weather-related damage while it’s in storage.
• Liability coverage. If your RV is not being driven, liability coverage may not be as critical, but some policies require it to remain active.
• Storage-only coverage. Some insurers offer a reduced-cost option that limits coverage to comprehensive risks while your RV is stored, suspending collision and liability coverage until you’re back on the road.

What RV Insurance Usually Doesn’t Cover in the Off-Season

It’s important to know the limitations of your policy during storage, such as:

• Wear and tear. Insurance generally does not cover damage from gradual deterioration, mold or pests.
• Improper storage. Damage resulting from not following recommended storage practices (such as failing to winterize your RV) may not be covered.

Personal belongings. Some policies limit or exclude coverage for personal items left inside the RV during storage.Many RV owners believe they can cancel insurance entirely during the off-season. However, doing so eliminates coverage and may result in higher premiums when you reinstate coverage. Additionally, if you have a loan on your RV, your lender may require continuous insurance.

How We Help Illinois RV Owners

Our team at Bicent Insuremart Agency, Inc. works with you to review your RV insurance options and help you secure the right coverage year-round. We help clarify policy details, recommend storage-specific coverage and answer any questions about exclusions or requirements in Illinois.

Ready to review your RV insurance or have questions about off-season coverage? Contact us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.