Seasonal RV Usage: How to Adjust Your Insurance Coverage

Owning a recreational vehicle (RV) allows for exciting travel experiences, but if you only use it during certain months, you might wonder how to handle insurance coverage in the off-season. Many owners consider canceling their policies to save money when their RV is not in use. However, adjusting coverage rather than dropping it entirely can help protect your investment and keep you compliant with lender requirements.

Why Do I Need to Keep My RV Insurance During the Off-Season?

It may be tempting to cancel insurance during months when your RV is parked, but keeping coverage active is essential. Your RV is still at risk of damage or loss even when not in use. Events such as theft, fire, vandalism and weather-related damage can occur anytime. If you have a loan on your RV, your lender will likely require continuous insurance coverage to protect the vehicle’s value. Also, maintaining your policy may help you avoid coverage gaps that could later result in higher premiums.

How Can I Adjust My Insurance Coverage?

Instead of canceling, you can modify your coverage to save on costs while maintaining financial protection. Consider adjusting the following aspects of your policy:

• Storage-only coverage—If your RV will not be driven, liability and collision coverage may be reduced while still keeping financial protection for damage or theft.

• Higher deductibles—Raising deductibles temporarily could lower premiums during months when your RV remains unused.

• Usage-based policies—Some providers offer flexible policies based on mileage and usage.

• Roadside assistance adjustments—If long trips are paused, roadside assistance coverage might be an area to reduce.

Discuss these options with an insurance agent to help align your coverage with seasonal needs while avoiding unnecessary expenses.

Learn More About RV Insurance

If you want to adjust your RV insurance for seasonal changes, World of Insurance can help guide you through the process. Contact our team today to get started.

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.