If you’re an RV owner, you know that life on the road comes with its share of surprises. But what about when your RV is parked? At Johnsen Insurance, servicing Baraboo, WI, we often hear one big question from RVers: “Am I covered when my RV is parked?” The short answer is yes, but there are a few important details to keep in mind.
Parked Doesn’t Mean Risk-Free
Just because your RV is stationary doesn’t mean it’s out of harm’s way. Accidents, weather damage, theft, or even fires can occur while your RV is parked at a campground, in a driveway, or in storage. That’s where your RV insurance comes into play. Most policies offer comprehensive and collision coverage that applies whether you’re driving or not.
Coverage Depends on How You Use Your RV
If your RV serves as your full-time home, your insurance needs will differ from those of someone who uses it only for weekend getaways. Full-time RV coverage typically includes elements similar to homeowners insurance, such as personal liability and coverage for your belongings. On the other hand, if you’re a part-time traveler, your policy may focus more on travel-related risks. Either way, it’s essential to ensure your policy reflects how and where you use your RV.
Peace of Mind, Even When Parked
You’ve invested a lot in your RV, and protecting it shouldn’t stop when the engine does. Understanding your coverage while parked ensures you’re not caught off guard when unexpected events occur.
At Johnsen Insurance, servicing Baraboo, WI, we specialize in helping RV owners find the right coverage for every situation—whether you’re cruising down the highway or relaxing at your favorite campsite. Reach out today, and let’s make sure you’re protected, wherever you park.
