Many companies have storage coverage. If you have a loan on your RV you will also have to check if the bank or loan Co. will permit it. I have dropped the coverage on the Newmar for the winter but left it on my Roadtrek in case I want to use it. The collision is what gets dropped. The comp. is always in force. Since both are stored in the same barn I wouldn't want to risk losing both if something disastrous happened. My total bill for 2 MHs and 1 car is about $2000 per year but that is in Michigan where we have unlimited benefits for personal injury.