If you own a motorhome, you may be wondering whether you need additional insurance coverage to protect it while it’s parked at your home. Here’s what you need to know.
Legal Requirements vs. Practical Protection
Most states do not require insurance for a motorhome that is parked and not in use. However, if your RV is financed, your lender may require full coverage regardless of its use or location. Even when parked at home, your motorhome can still face risks such as theft, vandalism, weather damage, or fire.
Limitations of Homeowners Insurance
Many RV owners assume their homeowners insurance will cover a parked motorhome—but that’s rarely the case. Most homeowners’ policies provide limited or no coverage for motor vehicles, including RVs. Damage to the RV or liability for injuries occurring in or around it may not be covered under your homeowners insurance.
Why Comprehensive RV Insurance Matters
Comprehensive motorhome insurance offers protection for your vehicle while it’s parked, including coverage for natural disasters, theft, fire, and falling objects. It may also cover personal belongings stored inside the RV and provide liability protection if someone is injured on or near your motorhome. Some providers offer “storage” or “lay-up” policies, which reduce premiums while the RV is not in use but still provide essential coverage.
Protect Your Investment Year-Round
Even if you’re not traveling, your RV remains a valuable asset. Maintaining appropriate insurance coverage while it’s parked at your residence is a wise decision that can save you from unexpected expenses.
Protect Your Motorhome with Southern Risk Associates
At Southern Risk Associates, we’re dedicated to helping you protect your investments. We proudly serve Foley, AL, and would love to discuss our policy options with you. Contact us or visit our office today to learn more about our services.
