Many RV owners in NC pack their rigs away for part of the year, which leads to a common question about coverage. If the RV’s sitting in storage, why keep the insurance active? It feels like a simple place to save money, but year-round coverage protects against more situations than most people realize. RVs carry their own set of risks, even when they’re not moving.
What Happens During Storage?
An RV in storage isn’t as safe as it might look. Weather can cause roof damage, leaks can develop slowly, and pests can find their way into wiring or insulation. There’s also the chance of a fire, theft, or vandalism at storage facilities. Without an active policy, those losses fall entirely on you. Year-round RV insurance through Kempton Insurance Group, serving Charlotte, NC, keeps comprehensive coverage in place. Comprehensive insurance handles most of these off-season problems.
Why Liability Still Matters
Even when you’re not traveling, liability doesn’t disappear. If the RV’s parked on your property and someone’s injured near it, or if it accidentally rolls or shifts, there can still be financial consequences. Seasonal coverage often leaves gaps in these situations. Consistent insurance closes them, so you’re not dealing with an unexpected bill over something that didn’t even happen on the road.
How Continuous Coverage Helps Long Term
Keeping an RV policy active can also help maintain stable rates. Some insurers view long gaps in coverage as a higher risk factor. Continuous insurance shows responsibility, and that can support better pricing over time. It also means you’re ready to travel whenever the mood hits.
RV owners benefit from reviewing what their policy includes, and deciding whether seasonal changes could leave them exposed. A short conversation with a local agent at Kempton Insurance Group can help match the coverage to how the RV’s stored and used throughout the year. Call us. We’re currently serving Charlotte, NC.
