Coach Insurance In Storage

[bluwtr49]

Our insurance premiums took a big jump this year and I'm looking at various options to see if I can get some better rates but one thing just popped into mind. The coach is in storage for most of the winter but I've never looked into suspending coverage during that time.

I'll be contacting the insurance company this week but before I do so it would be useful to hear from others on this topic.

Oh, I should add that the coach is stored in an enclose steel garage located on my property.

Thanks for any comments.

[rgatijnet1]

Check with this company. Arizona is one of the 26 states where they write insurance policies. Full coverage, including contents, liability, collision, is only $350/YEAR for our coach. Perhaps they can give you a better rate than you have had in the past. Auto Owners Insurance Company

[Ivylog]

Because of ever increasing premiums I went to liability only this year ($180/year) BUT your homeowners insurance will not cover damage to the motorhome while in your garage. Progressive will let me switch to full coverage when I go out west this summer for three months. This winter while snow birding I will keep just liability only and take my chances. If nothing else it will help me to drive more conservatively to Fla and back. Your level of self insurance and paying for it may not be as large as mine.

[barmcd]

I know you used to be able to do this with USAA insurance on recreational type vehicles (no experience with motorhomes) like motorcycles.

[bluwtr49]

WyoTraveler wrote:
GS insurance only allows your RV insurance to be modified in storage if the RV is totally paid off. Lien holders require full insurance 365 days a year.

Good point. There is no lien holder so that should not be an issue.

[WyoTraveler]

GS insurance only allows your RV insurance to be modified in storage if the RV is totally paid off. Lien holders require full insurance 365 days a year.