You probably think more about having the right RV insurance when you are out on the road. But when your RV is in storage, you should still feel confident that it is protected.
Even if your rig is parked full-time through the rainy fall and winter season in Auburn, WA, things can still go wrong. RV owners need to make sure their insurance covers risks that can occur when the RV is not moving.
What Can Go Wrong When Your RV Is Parked?
The first concern is rain. A lot of it. Auburn, WA receives around 43 inches of rain each year, most of it between October and April. That is a lot of moisture sitting on your seals, roof, and slide-outs.
Wind is another major factor. Heavy Pacific storms can blow branches and debris into anything left outdoors, including your RV.
And then there are rodents. These pests constantly look for warm, dry shelter during wet weather. They can quickly chew through wiring, insulation, and other materials to get inside your rig.
Sitting Still Does Not Mean Risk-Free
Washington state requires liability coverage for motorized RVs, similar to a standard auto policy. However, liability coverage only applies when you are driving. It does not protect you if a tree branch damages your roof during a winter storm or if your RV is broken into while stored.
In these cases, different types of RV insurance coverage apply.
What to Look for in Your RV Insurance Policy
Before putting your RV in long-term storage, make sure you fully understand what your insurance covers. Ask your Alpine Ridge Insurance agent whether your policy includes coverage for:
- Weather damage
- Wind damage
- Theft
- Vandalism
- Rodent damage
Coverage varies from one policy to another, so it is important not to assume you are protected.
Review Your Policy Before Storage Season
Do not assume your RV is fully covered during long-term storage. Contact Alpine Ridge Insurance. We will review your policy with you and help you understand exactly where you stand.
