Why Storage Location Matters for Your Motorhome Insurance

Being a motorhome owner opens up a realm of exploration, but the location where you store it during downtime can significantly impact various aspects, including your insurance. At Stewart Agency Inc., serving the greater Elmira, NY community, we aim to educate motorhome owners about how storage choices can affect coverage, costs, and overall peace of mind.

Storage Options Vary in Quality

The location and manner in which you store your RV contribute to your insurance risk profile. For instance, storing it in a secure, sheltered facility is generally safer than leaving it on the street or in an open field. Insurance providers take into account factors such as theft risk, exposure to weather, and local crime rates when calculating your premium. A motorhome stored in a locked garage or climate-controlled unit is less likely to suffer damage or vandalism, which could translate into lower rates for you.

Considerations for Seasonal Storage

Many motorhome owners embark on their journeys only during specific seasons. If you’re storing your RV during the off-season, it’s a good idea to inform your insurance provider so you can adjust your coverage accordingly. Some policies offer storage-only coverage, which protects against incidents such as fire, theft, or weather damage when the vehicle is not in use.

Ensuring Adequate Protection

At Stewart Agency Inc., serving the community in and around Elmira, NY, we’re committed to helping you make informed decisions about your motorhome insurance, including storage-related aspects. If you’re uncertain whether your current coverage reflects your storage situation, don’t hesitate to contact us. We’ll help you find the right plan that suits both your lifestyle and budget.