Winterizing Your RV: Importance of RV Insurance

Dread it, run from it; winter arrives all the same. When the coldest months set in, you may need to put your recreational vehicle up for the winter. If so, the proper preparation and steps could protect your property and provide other benefits. It’s crucial, for example, to ensure that the appropriate RV insurance plan covers your RV. If you need help selecting a motor home insurance plan, you can work with the Vance Insurance Group LLC team, serving Oklahoma City, OK, and other communities.

Key Winter RV Insurance Considerations

Cold weather could have a big impact on an RV. For example, freezing temperatures could cause water in pipes inside the RV to freeze, causing damage as the ice expands. It’s smart to flush out pipes and other systems to minimize the risk of freeze damage.

Motor homes come with fuel tanks. Many people don’t realize that gasoline and other fuels can break down rather quickly. Adding fuel stabilizers can help ensure that the fuel doesn’t go bad over the winter.

Unfortunately, some criminals target motor homes in the winter. The thieves know there may be valuables in the motor home, and the owners likely aren’t around. You’ll want to make sure that your motor home is stored in an area with restricted access. You can also set up security systems, including cameras. If a break-in does occur, the right motor home insurance policies can provide protection. That said, it’s wise to remove valuables before storing your RV.

The right RV insurance policies can also provide protection if your vehicle is damaged by snow, winds, ice, or whatever else while in storage. Of course, different plans cover different things, so you need to read the fine print or work with an insurance agent. If you need help selecting motor home insurance in Oklahoma City, OK, the Vance Insurance Group LLC team can assist.

An Overview of RV Insurance in Oklahoma City, OK

Owners of Class A, Class B, and Class C RVs in Oklahoma are obligated to be insured in no lesser terms than those who drive a truck, van, SUV, or car. The state mandates that motor-driven recreational vehicles be covered by liability insurance.

Owners can fulfill this state’s requirements by purchasing the minimum coverage needed. This typically offers protection for the driver and the RV passengers in the event of an accident. Below is a breakdown of the expected minimum liability coverage for recreational motorhomes:

For Class A, B, or C motorhomes, the minimum liability coverage threshold is as follows:

• $25,000 property damage (per accident)
• $50,000 total bodily injury (per accident)
• $25,000 bodily injury (per person)

Insurance Considerations for Full- or Part-time RV Residents

Owners who use their RVs full-time or part-time are not obligated to purchase comprehensive, collision, or other types of additional insurance. Yet, it’s worthy of consideration for added protection. This insurance coverage differs from the coverage required for a recreational RV. An insurance agent can advise on the specifics of your living situation.

Other setup types, like a travel trailer that is towed rather than driven, are not required to have liability insurance in Oklahoma. Owners can purchase separate insurance for these types of situations involving damage or collision, but it remains optional.

Contact Vance Insurance Group LLC for RV Insurance Solutions

Whether you use your RV for travel outings, have it parked in an RV park, or even in your yard, the Vance Insurance Group LLC team can help you make an informed decision about coverage. We’re here to answer any questions you may have about RV insurance. Let us guide you through the process of securing the optimal insurance.