Winter is here, and that means it’s off-season for RVers. For many RV owners, the advents of cold weather, snowy days and icy roads raises an important question: Do I need RV insurance year round?

The question makes sense; for Canadians who live in regions that experience icy, snowy conditions (which is most of us), winter simply isn’t the greatest time to take your RV out for a road trip. But just because your camper is parked in your driveway — or winterized in a storage facility — doesn’t mean you should take time off from insuring it.

While it might not seem to make sense to have RV insurance in the winter, the truth is that you still need coverage, even if you’re not using your RV as much (or at all.) However, there are ways to lower your insurance costs during the off-season.

Here’s why you still need RV insurance in the winter, and a few ways to help you save money on your coverage costs.

Insurance Protects Your RV Against Damage and Theft

Why do I need RV insurance year-round? Your RV represents a huge investment, and you don’t want to leave it unprotected. Theft, damage and accidents can happen at any time.

Whether it’s a fire, a break-in, building collapse, vandalism, theft or an extreme weather event, your RV can still sustain damage. The last thing you want is to be on the hook for the costs of repairs or, worse, vehicle replacement.

But what about your homeowners’ policy? Coverage varies, and while some incidents or items may be covered, others may not.

Imagine that your RV gets broken into. A window is smashed and the inside is stripped of valuables… but all your homeowner’s policy covers is the cost of repairing the window. It may sound like a worst-case scenario, but it’s all too common.

Keeping your comprehensive policy current ensures that your RV is protected. (Plus, consider that you might just get the urge to explore a beautiful destination and take a winter camping trip!)

Should I Stop and Start an RV Insurance Policy?

In order to save money, some RV owners think they should cancel their RV insurance in the winter. But cancelling, then re-insuring, doesn’t make financial sense.

Why? Because some insurers will refuse to cover someone who has an “on again, off again” history with insurance. Some insurers don’t like to offer coverage to someone who’s cancelled a similar policy in the past.

Plus, if you’ve financed your RV, many lenders require continuous insurance coverage… at all times of year. This protects the vehicle in case something happens to it before you pay off the loan.

Keeping RV insurance year-round simply makes sense. Fortunately, there are ways to save money on your policy during this less-active time of year.

Saving Money on RV Insurance in the Winter

While you don’t want to completely cancel your entire RV insurance policy in winter, you can keep your comprehensive coverage and reduce other parts of your policy. For instance, if your RV is parked for the season, you likely don’t need to pay collision or liability insurance. Your vehicle won’t move, so there’s no risk of being involved in an accident.

You may remove some optional add-ons, such as towing or transportation substitute coverage. You don’t need this if you’re not driving your RV.

In addition, consider raising the deductible for the winter. You’ll save with lower premium payments. Just keep in mind that if loss does occur — whether through theft, vandalism, or other damage — you’ll then have to face that higher deductible.

Before making any decisions about RV insurance in the winter, contact your insurance agent for more information. They’ll be able to detail your options so you can save money over the winter while still protecting your home on wheels.

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