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Old 01-25-2015, 11:03 PM   #1
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Insurance and where you park it

I haven't seen this but when one states to their insurance company that they park their RV at their domicile (or some storage place if need be), how is that treated when say the RV is parked at some RV park for a long period of time?

Am I as the owner responsible to notify the insurance company I'm parking it for 5 months in FL instead of say CT? Will the insurance company try to avoid responsibility in the case of a claim if/when they find out the RV was parked away from the stated location when the policy was first enacted? And how does a long term location differ from weekend trips?
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Old 01-25-2015, 11:12 PM   #2
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I am not an attorney.... nor do I play one.. but, here goes.

When 'parked', the RV is NOT in use. Yet, by the very nature an "RV" can be moved and should be used...

Simple logic. Yet, I would definitely have a 'documented' discussion with my 'provider' about the fact that I 'use' the RV for 'extended periods'... it may not always be 'moving/underway' and in fact could be static for 'a time'. If the 'provider' limits you, or says.. "are you living in the RV?" , your 'policy' may not allow that.

Remember, insurance is 'risk management'...and be prepared to have a clear discussion with your 'provider'.

With there being more folks who 'full time' in their RV's or have 'extended' times of use such as 'snow birds', some 'providers' may have limitations....

I spoke to my own provider and was told 'No limitation on amount of use on the RV.' I park it on my property so it is 'safer' than in a storage area... and my insurance went down for that reason because the 'storage' facility had no 'responsibility' for damage, theft, etc.

Your mileage will vary.... good luck with your 'provider'...
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Old 01-25-2015, 11:24 PM   #3
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They probably like the fact that it will be parked for long periods of time anywhere. I think the most liability for them is when it's being driven. We keep ours at our house and like said got a better rate due to it not being in a storage facility. But when I asked about a storage facility they said the rate would go up a little but it didn't really matter where the storage facility was located.
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Old 02-03-2015, 08:12 PM   #4
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The only issue that I can think of is the notion of where the RV is "principally garaged", cause that is the location your premium rate is based on. Unless otherwise stated, the insurer will use the home address you gave when you applied for the policy. If it is always in some other location, that could be considered a fraudulent application for the insurance. But it IS a vehicle and is often elsewhere, so being away part of the time is normal. RVs, of course, may be elsewhere for extended periods. Just when "extended" is considered "permanent" may depend on your policy. Mine wants to know if the RV is is use more than 150 nights per year and the premium goes up if it is. And if I always kept it elsewhere, my rate basis could change.

I would say that the 5 months you mentioned is long enough that you should discuss it with your agent.
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