Home » RV Insurance for Snowbirds: Coverage Tips for Seasonal Travelers 
February 26, 2024

RV Insurance for Snowbirds: Coverage Tips for Seasonal Travelers 

white and brown camper trailer with rv insurance beside tree

Motorhomes, campers, trailers and other recreational vehicles (RVs) can provide convenient opportunities to escape the snow and frigid temperatures of winter in favor of warmer climes. However, as you enjoy more pleasant forecasts, you must also remain vigilant regarding the risks and exposures of owning and operating an RV. Fortunately, a suitable RV insurance policy can provide essential financial security for you and your vehicle.

What Is RV Insurance?

Whether you’re seeking coverage for your seasonal migration while leaving your vehicle stored during the offseason or during intermittent stays at campsites, RV insurance can be tailored to suit your needs and circumstances. These policies may include many familiar terms and features as standard auto coverage you might secure for your everyday car; however, they can also include several unique components crafted to cover risks specifically related to RVs.

How Does RV Insurance Work?

Your RV insurance policy establishes a contractual agreement between motorists and their RV insurance companies. You can typically make various coverage selections to personalize your policy and will then be responsible for paying premiums to maintain your insurance. Doing so gives you the right to file a claim following covered incidents, which can garner a payout up to your policy’s limits and minus your deductible.

What Does RV Insurance Cover?

There are many coverages and considerations to keep in mind for seasonal travelers and snowbirds. The following types of coverage may be essential or even legally required:

  • Bodily injury liability coverage can compensate other parties if injured in an accident on the road for which you are responsible.
  • Property damage liability coverage may limit your out-of-pocket costs if you are at fault for damaging another party’s property, such as their vehicle or structure.
  • Vacation and campsite liability coverage can offer financial security from incidents affecting other parties in or around your vehicle while parked.
  • Collision coverage may help you pay for repairs if your RV is damaged in a crash.
  • Comprehensive coverage can financially protect your RV from many perils, such as fires, vandalism, theft and falling objects (e.g., rocks and tree limbs).
  • Medical payments coverage can provide financial aid, regardless of who was at fault, if you or your passengers are injured in an accident.
  • Uninsured and underinsured motorist coverage may ensure you are compensated for losses caused by other parties even if they lack sufficient insurance.
  • Storage-only RV coverage functions similarly to comprehensive coverage and may help you save on your RV insurance cost during times of the year when you plan to leave your vehicle idle for an extended period.

We’re Here to Help

At S & G Mitchell Insurance Agency, we successfully addressed the coverage needs of hundreds of motorists, families and businesses, and will draw on this extensive experience to help seasonal RV travelers enjoy a financially secure escape from winter weather. Contact us today to get a personalized RV insurance quote.


This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information. 


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