After you spend all summer coasting around in your RV, it is time to put it up for the winter. As an RV owner in Cypress, TX, you may be curious as to whether it is possible to reduce or eliminate your RV insurance for the off-season. InsureUS wants to share a few things with you about off-season RV insurance.
Keep Full Coverage If Your RV Is Financed
If you are currently paying a loan for your RV, it is highly recommended to maintain full coverage. Further, most financial institutions will require this in the event of a loss. Make sure to purchase full coverage RV insurance when you are financing your recreational vehicle or you may wind up paying more as a result of your lender purchasing insurance for you.
Increase the Deductible Until Warmer Weather
Since your RV will be in storage, you could potentially consider increasing your deductible instead of dropping coverage completely. Of course, it is important to keep in mind that if something does occur to your RV while in storage, you will be responsible for higher out-of-pocket expenses in order to repair it. So, if you decide to increase your deductible, it is imperative that you ensure your budget will allow you to cover any expenses that may arise from a winter emergency.
Cancel Add-on/Optional Coverage Temporarily
If you initially invested in extra optimal coverage, like safety glass replacement or towing and labor, you may want to consider dropping them for the time being. These expenses aren’t high priorities when your recreational vehicle is being stored during the off-season. Just make sure to add these coverages back before you take your RV on the road.
You have options when it comes to managing your RV insurance during the off-season. If you have any questions, contact InsureUS, serving Cypress, TX, and our insurance experts will be happy to assist you.