{"id":156,"date":"2026-08-31T12:00:00","date_gmt":"2026-08-31T18:00:00","guid":{"rendered":"https:\/\/www.johnseninsurance.com\/blog\/?p=156"},"modified":"2026-08-16T15:16:23","modified_gmt":"2026-08-16T21:16:23","slug":"do-you-need-to-carry-rv-insurance-year-round-if-you-only-use-your-rv-seasonally","status":"publish","type":"post","link":"https:\/\/www.johnseninsurance.com\/blog\/do-you-need-to-carry-rv-insurance-year-round-if-you-only-use-your-rv-seasonally\/","title":{"rendered":"Do You Need To Carry RV Insurance Year Round If You Only Use Your RV Seasonally?"},"content":{"rendered":"

If you only take your RV out a few months a year, paying for a full twelve-month insurance policy can feel wasteful. A lot of seasonal owners wonder if they can drop coverage when the rig is in storage. The answer depends on a few very important factors. Johnsen Insurance in Baraboo, WI wants to help you make the right call before making any changes to your policy.<\/p>\n

Why Dropping Coverage Completely Is Risky<\/h2>\n

Even sitting in storage, your RV is exposed to real risks. Theft, fire, vandalism, and weather-related damage can happen whether you are on the road or not. If your RV gets damaged during the off-season without any coverage in place, you are paying those repair bills yourself. Dropping coverage completely is rarely worth the risk, even when you are not planning to drive.<\/p>\n

Lenders and Storage Lots May Have Requirements<\/h2>\n

If you financed your RV, your lender likely requires you to maintain insurance year-round regardless of how often you use it. Some storage facilities also require proof of coverage before they let you park on their property. Always read your loan agreement and storage contract carefully before making any decisions about reducing or canceling your current policy.<\/p>\n

Seasonal Options Can Help Reduce Your Costs<\/h2>\n

The good news is that seasonal coverage options actually exist that can reduce your costs during months when the RV is not in use. You do not have to pay full-use rates all year long. Reach out to Johnsen Insurance in Baraboo, WI today to find a policy that fits your schedule and keeps your RV protected no matter the season.<\/p>\n","protected":false},"excerpt":{"rendered":"

If you only take your RV out a few months a year, paying for a full twelve-month insurance policy can feel wasteful. A lot of seasonal owners wonder if they can drop coverage when the rig is in storage. The answer depends on a few very important factors. Johnsen Insurance in Baraboo, WI wants to […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[22,25,10,29,23],"class_list":["post-156","post","type-post","status-publish","format-standard","hentry","category-rv-insurance","tag-baraboo","tag-insurance","tag-johnsen-insurance","tag-rv","tag-wi"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t