Do You Need Full-Year RV Insurance in Oregon?

If you’re an RV owner in Astoria, OR, you might wonder if full-year RV insurance is necessary. After all, you only use your RV for part of the year, so why should you have to pay for insurance all year long? The answer is simple: because it’s the best way to protect your investment. Here’s a closer look at the different insurance options available to RV owners and why full-year coverage is always the best choice.

Seasonal Coverage vs. Full-Year Coverage

Most RV insurance companies offer both seasonal and full-year coverage options. Seasonal coverage is typically less expensive than full-year coverage but provides less protection. For example, if you have a claim while your RV is in storage during the off-season, your seasonal policy probably won’t cover it. That’s why Linda Dugan Insurance always recommends opting for full-year coverage, even if it costs a little more.

What Does Full-Year RV Insurance Cover?

Full-year RV insurance policies vary somewhat in coverage, but they all provide comprehensive protection for your RV. This includes protection from weather damage, theft, accidents, and more. Some policies also include roadside assistance and emergency expense reimbursement, which can come in handy if you break down while on a road trip.

Why Full-Year RV Insurance is the Best Choice

In short, full-year RV insurance is the best choice because it’s the most comprehensive option available. It will protect your RV no matter what happens, whether you’re using it or in storage. And if you ever have a claim, you’ll be glad you have the coverage you need to get back on the road as quickly as possible.

If you’re an RV owner wondering whether full-year insurance is necessary, the answer is a resounding yes! Full-year coverage is always the best choice because it’s more comprehensive than seasonal coverage and will protect your investment no matter what happens. So don’t wait—contact your Linda Dugan Insurance agent in Astoria, OR today to get started on a full-year policy for your RV.