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Old 08-14-2015, 08:11 AM   #1
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Owning an RV lot and insurance

I am trying to find out some information on obtaining liability insurance for my rv lot. This would be to cover my investment and myself should I rent it when I am not using it
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Old 08-14-2015, 08:29 AM   #2
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You need to discuss this with an commercial insurance agent for your area.
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Old 08-14-2015, 12:22 PM   #3
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A lot doesn't need property damage insurance unless you put a building or something on it, but you probably want to have liability insurance in case somebody gets injured (even a trespasser). The simplest solution is a personal liability "umbrella" policy that protects you no matter what happens or where.
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Old 08-14-2015, 02:10 PM   #4
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An Umbrella policy is meant to be excess over an underlying policy. It's not meant to protect you from some exposure you had and chose not to insure. It will cover unforeseen exposures with a large deductible ( usually $10,000 ) however owning an RV Lot would not come under " unforeseen " . I had a lot and had difficulty finding an insurer until I got a policy from State Farm. It was relatively inexpensive at $65.00.
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Old 08-14-2015, 03:39 PM   #5
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I have my cars with State Farm, MH with Blue Sky as well as an umbrella. I will call an agent locally where my lot is and see if they have anything. What is amazing is that we have to insure for a trespaser
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Old 08-14-2015, 03:44 PM   #6
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Quote:
Originally Posted by edstep View Post
I have my cars with State Farm, MH with Blue Sky as well as an umbrella. I will call an agent locally where my lot is and see if they have anything. What is amazing is that we have to insure for a trespaser

What City is your lot in ? Besides trespassers it will insure your guests ( not you or your immediate family ) as well
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Old 08-14-2015, 04:01 PM   #7
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Its Lake Toxaway NC
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Old 08-14-2015, 04:05 PM   #8
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Mine was in Fl.
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Old 08-14-2015, 07:37 PM   #9
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It can be hard to find, few are familiar or comfortable insuring "empty" land.


We own two lots, one in South Carolina and one in Florida. In both cases we had to call around and in both cases we ended up getting coverage through an independent insurance agency. The South Carolina agency was able to secure a policy through Auto Owners. The Florida agency was able to place a policy with a Lloyds of London company. In each case the premium is roughly $500 per year - I carry big limits.
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Old 08-15-2015, 12:02 PM   #10
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Quote:
An Umbrella policy is meant to be excess over an underlying policy.
I stand corrected - poor choice of terminology. I meant a general personal liability policy as opposed to one for specific need. Most people already have some liability coverage, e.g. home owners or renters, so an umbrella add-on may work for this, but it needs to be discussed thoroughly and carefully with the agent to make sure it applies.

As JMonrow says, it is often difficult to insure vacant land, and also places that do not usually have people in residence.
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