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Old 08-04-2016, 06:35 AM   #1
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Insurance

Not sure if this topic has been covered before (I am sure it has somewhere), but wanted to ask everyone's opinion about insuring a 5th wheel or RV for that matter. I know insurance is needed like on any vehicle. My question is, should I look for (or is there even) renter's insurance for when your rig is in storage? Would regular insurance cover it for loss on a storage lot (fire, theft, damage, etc.)

Thanks in advance.
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Old 08-04-2016, 06:38 AM   #2
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Insurance

Your RV insurance will cover that type of loss if it's in effect at that time. There's no renters insurance for an RV that you own.
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Old 08-04-2016, 06:39 AM   #3
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Originally Posted by Clifftall View Post
Your RV insurance will cover that type of loss if it's in effect at that time.
So no need for anything other than regular coverage etc?
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Old 08-04-2016, 06:42 AM   #4
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Yes . Some people remove the liability portion while in storage ( for motorized vehicles ) but not the physical damage .
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Old 08-04-2016, 07:22 AM   #5
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I was an agent for 28 years. We insured the trailer for comprehensive and collision. Choose a deductible that you like depending on the price. You could suspend the collision in storage, but you didn't save much because the coverage is prorated for the summer months. For a motorhome you would need full coverage like a car. While stored you can suspend everything but comprehensive, but again the coverages are prorated for the summer months and you don't save a lot. If you have a home or apartment you can have you personal property coverage extended from that policy. If you are a fulltimer, you will need to find a company that has that type of coverage. The company that I represented did not write personal property coverage just for a motorhome or TT.
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Old 08-04-2016, 08:43 AM   #6
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Quote:
So no need for anything other than regular coverage etc?
If "regular coverage" means liability, collision, and comprehensive, the answer is Yes.

Pay attention to the "Personal Property" coverage in your policies, though. "Personal Property" is anything in or on the RV that didn't come installed on it, e.g. your clothing, computers, lawn chairs, and maybe even accessories like awnings and such. There is usually some Personal Property coverage in the comprehensive coverage, and you may have more if you have a homeowner or apartment renter policy for your home, but it may not be enough to cover all the stuff you have in the RV. A trailer hitch or toad tow bar alone may be several hundred dollars, so a mere $2000 of PP coverage doesn't go far.
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