Do you need RV insurance while your RV is in storage?

If you finance your motorhome or travel trailer, your lender likely requires you to keep comprehensive and collision coverages, regardless of if your RV is on the road. Even when parked or in storage, an RV is essentially a home on wheels — with plumbing, a roof, insulation, and belongings that can all be damaged while it sits. An RV insurance policy with comprehensive coverage can protect your stored motorhome or travel trailer against theft, vandalism, and weather-related damage.

Explore Progressive's editorial standards for Answers articles to find out why you can trust the insurance information you find here.

Key takeaways

  • Canceling your insurance while your RV is in storage can leave it exposed and may violate your loan or storage agreement

  • RV comprehensive coverage can protect against damage from weather, theft, and vandalism while your RV sits unused

Reasons to keep your RV insured year-round

  • Freezing temperatures and water damage

    Unlike most stored vehicles, an RV has plumbing, holding tanks, and a water heater that can be damaged when temperatures drop. Winterizing helps, but water that finds its way into the RV — through a storm-damaged roof or an incident at your storage facility — can still lead to costly interior damage.

  • Roof damage and leaks

    Heavy snow, ice accumulation, hail, and falling branches can crack seals, tear membranes, or cause slow leaks that damage your RV's roof and interior.

  • Pests and rodents

    Storage bays, nooks, and soft materials in an RV can make it an inviting winter shelter for rodents, birds, and other pests. They can chew through wiring, insulation, hoses, and upholstery.

  • Theft

    RVs in storage are common targets for theft — especially travel trailers, which can be easier to steal than motorhomes. Even a secured storage facility can be targeted, and RV insurance may cover your RV if it's stolen while in storage.

  • You may be able to adjust your coverage instead of canceling

    If you're considering canceling your RV insurance to save money while your RV is in storage, check with your insurer about other options first. Depending on your RV and policy, you may be able to adjust your coverages, limits, or deductibles while you're not using it. Before making changes, ask whether reducing or canceling coverage could affect your protection, discounts, or benefits.

  • Your lender may require it

    If you finance your motorhome or travel trailer, lenders typically require you to have RV comprehensive and collision coverages on your policy at all times. Canceling your RV insurance policy before paying off your loan may violate the terms of your financing agreement.

Pro tip:

Winterizing your RV by draining the water system and adding antifreeze helps prevent freeze damage, but it doesn't replace insurance. RV comprehensive coverage may apply if severe weather damages your RV while it's stored.

How RV coverages protect your motorhome or trailer in storage

The following coverages may help protect your motorhome or travel trailer against damage year-round.

  • Comprehensive coverage

    Comprehensive coverage can protect your RV against damage from events outside of your control, including fire, theft, vandalism, hail, wind, and lightning. This coverage may apply whether your RV is on the road or in storage.

  • Roof Protection Plus®

    Progressive's Roof Protection Plus® may pay to repair or replace the damaged roof of your motorhome or travel trailer, even if the damage is the result of normal wear and tear. Note that your RV must be less than six years old to be eligible, and a $250 deductible applies.

  • Personal property coverage

    If you leave items in your RV during storage, RV personal property coverage may protect against theft of or damage to belongings stored inside your RV, such as electronics, clothing, and camping gear.

  • Pest Damage Protection℠

    Progressive's Pest Damage Protection℠ can pay to repair damage caused by non-domesticated animals, such as rodents or birds, while your motorhome or trailer is in storage. Note that your RV must be less than six years old to be eligible, and a $250 deductible applies.

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