If you go camping often, you may choose to rent a seasonal or permanent campground spot. This can be useful if you often find yourself struggling to find the perfect campsite. However, when you have a seasonal or permanent campsite, you might wonder how this could affect your RV insurance.
How a Seasonal Campsite Can Affect Your RV Insurance
If you are on a resort, you might be required to carry premise liability insurance. You may need to purchase an additional insurance for your shed, outbuildings, and deck as well. However, if you will only be renting a seasonal campsite, your insurance policy may not allow you to add your RV.
If you decide to camp near a body of water, some insurers may place flood coverage restrictions on you. Contact your RV insurance provider if you have any questions about what restrictions they may have before you decide to bring your RV.
However, there are also advantages to having a seasonal campsite. For example, you might be eligible for a discount on your RV insurance. To receive this discount, your RV will often need to be blocked and skirted. You will also need to winterize and maintain your RV.
When Your RV is In Storage
When you are not camping with your RV, you will be able to save money because you won't need insurance for collision or liability. However, your RV will still need protection from theft or extreme weather. Speak with an insurance agent about whether you would like to temporarily cancel your insurance or reduce your coverage and lower your premium until you will be using your RV again.
Airstream RV Insurance
If you have an Airstream RV, you will want to obtain Airstream RV insurance. Fortunately, RV insurance will usually cover premises liability, the contents of your RV, any physical damage done to your RV, and any outbuildings that might be damaged.
Airstream RV trailers can be useful for camping because they are lightweight, which can make it easier to travel. In addition, the Airstream RVs can handle adverse weather conditions, which may help with insurance premiums. They can be great for "glamping," which is a type of camping where you do not give up modern amenities. Many Airstream RVs are also popular because they are easy to park. However, it's important to find an insurance provider who specifically insures Airstream RVs so your RV will be protected whether or not you are currently camping.
For more information, contact a local airstream insurance company near you.
