As summer winds to a close, many RV owners are taking their vehicles out for one last spin. This raises the question of whether you need an RV insurance policy in place all year long, even if you don’t use your vehicle during the winter months. The agents at Allstar Insurance in Lincoln, NE, believe that RV owners should remain covered even during the off-season so that they can remain protected against the following occurrences.
Theft or Vandalism
Even if your RV is parked in a relatively secure area, it can still be subject to theft or vandalism. This is especially true if it’s left unattended for long periods of time, which is often the case when these vehicles are kept in storage. Having year-round insurance in place will ensure that you remain protected even when your RV is not in use.
Damage Caused By Inclement Weather
In the same way, your RV could be damaged by inclement weather when it’s not in use. Whether damage is caused by high winds, rain, or hail, you’ll be left on the hook financially if you only insure the vehicle when it’s in use. This is particularly important for people who live in areas where winter weather is usually severe.
Let’s say you have your RV parked at your home and a guest is injured while taking a tour of the vehicle. This person could file an injury claim against you, which means you would need to cover legal fees while also being responsible for damages if you’re found to be at fault. Liability insurance provides funding for these expenses, which can be costly if injuries are serious.
Allstar Insurance wants you to get the most from your recreational vehicle, which involves implementing year-round protection. They also offer mobile home insurance for permanent residences, as well as renters’ and homeowners insurance to cover traditional dwellings. If you’d like to speak with an agent today about receiving a quote, feel free to call (402) 477-0900 today. You can also visit the website for more information on the complete listing of services.