How Insurance Works When Storing an RV

Owning a Recreational Vehicle is all about experiencing the freedom of exploring the open road and new destinations. However, most RV owners store their vehicles during the off-season or when not exploring the byways and highways of interest. The insurance professionals at the Kinowski Agency Inc. in Amsterdam, NY offer this guidance about how RV insurance works when the RV is in storage.  

Insurance When Storing an RV

Before storing your recreational vehicle–

  • Review your insurance coverage to ensure you understand the existing coverage when the RV is stored.  
  • Let your insurance company know you plan to store your RV, as they may have specific storage requirements.
  • Choose a secured, monitored storage location to reduce the risk of theft and vandalism.
  • Document the current condition of the RV with pictures and written records.
  • Check the stored RV regularly.

Insurance Coverage Options


Comprehensive coverage, which may be called ‘storage insurance,’ is a great option when the RV is not in use as it offers coverage for emergencies, non-accidental, or non-collision events– like fire, theft, vandalism, etc. Often, coverage can be reduced to include only comprehensive with a simple request to the insurance company.


Liability coverage may still be applicable even when the RV is stored, as it offers protection should someone become injured on your property or the RV damages someone else’s property.

If you plan to store the RV for an extended period, you can temporarily suspend all insurance (or just collision, for example), which means the RV coverage will be reduced or nonexistent.  

We Are Here To Help

Properly managing your RV insurance in storage is essential in protecting your investment. For more information, contact us at Kinowski Agency Inc. serving the greater Amsterdam, NY community today.

Tips for taking your RV to a national park

National parks are some of the most beautiful places on earth, and they’re a popular destination for those who love to get outdoors. If you have an RV, taking your vehicle out to a national park can be a great experience. But if you don’t know what you’re doing, it can also be a challenge. Kinowski Agency Inc., serving the greater Amsterdam, NY community, is here to assist. 

Here are a few tips that will help you make the most of your time in the great outdoors with your RV:

Be aware of size restrictions and parking regulations at the park you plan to visit. Many national parks now have size restrictions for RVs, as well as regulations about where RVs should park when camping within the park. Make sure that you understand these requirements before you arrive at the park, as you don’t want to get a ticket or be turned away because your vehicle is too large.

Bring extra supplies for your RV in case something goes wrong during your trip. There are plenty of things that can happen on a long drive, such as a flat tire or engine trouble – and if those things happen when you’re far from any towns with repair shops, it can make for an uncomfortable situation. Bring along extra tools, water, food, and other supplies to help you out in case you need them. It’s always better to be safe than sorry!

Get Coverage For Your RV Today

By doing your research and planning ahead, you will be able to get the most out of your RV at our many beautiful national parks. Make sure to update your RV insurance to best suit your needs. For more tips to enjoy your RV, call the Kinowski Agency Inc. today. We proudly serve the Amsterdam, NY area.