Like most Arlington, TX residents, if you have a recreational vehicle, you have RV insurance to cover you when you hit the road. But what about when your RV is parked in the driveway or kept in storage? Do you need RV insurance then? The answer is that, no, you are not legally required to maintain an RV insurance policy for your vehicle when it is parked for the season. However, there are many reasons you should hold onto your Strack Insurance Services policy all year long.
Why Do I need Year-Round Coverage?
Your RV is protected from loss due to a collision while driving, but while your vehicle is parked it also covers it from loss due to damage or theft. What if your RV is vandalized or burglarized while parked in your Arlington, TX driveway? What if your neighbor’s huge tree falls on your recreational vehicle’s roof, causing massive damage? What if someone breaks into your storage building and strips the interior? Your RV insurance policy will only cover those losses and damage if it is currently in force.
Coverage For Your RV’s Interior
Your RV has many expensive items on the interior that can be damaged or stolen while parked. It also has many expensive interior components such as a gas stove, hot water heater, a 3-way refrigerator, and a battery bank that may be attractive to thieves. These items could cost several hundred or even thousands to replace individually. Carrying RV insurance throughout the year, even during seasons you are storing it, will give you the peace of mind that you are protecting your investment and will eliminate the need to dip into your own pockets in the event of a theft, fire, or vandalism.
For more information about how an RV insurance policy covers your asset, give Strack Insurance Services a call today!