Do I Need RV Insurance If My RV Is Parked Year-Round?

If you own an RV and keep it parked year-round, whether in storage, on your property, or as a stationary dwelling, you may wonder if RV insurance is still necessary. Understanding the insurance requirements and risks for stationary RVs can help you make informed decisions about your coverage.

Insurance Laws and Parked RVs

Georgia law generally requires liability insurance for any vehicle registered for use on public roads, including RVs. However, if your RV is not being driven and is kept off public streets, you may not be legally required to maintain standard liability coverage. That said, if your RV remains registered, or if you occasionally move it, maintaining at least minimal coverage may be necessary to comply with state regulations.

Risks of Keeping an RV Stationary

Even when parked, your RV may face risks such as:

• Fire or smoke damage
• Theft or vandalism
• Storm, hail, or falling tree branches
• Liability if someone is injured near or inside your RV

Stationary RV Coverage Options

Coverage for your RV can often be tailored to how you use it. Policies may include the following:

• Comprehensive coverage for non-collision risks (fire, theft, weather)
• Personal property protection for belongings inside the RV
• Liability coverage for stationary use, especially if your RV is used as a dwelling
• Storage-only policies that provide protection while the RV is not in use

Contact Us

Choosing the right RV insurance depends on your unique situation. We work with RV owners to assess their needs, explain state requirements, and find coverage that fits their lifestyle, whether your RV is on the move or parked for the season.

Contact us today to discuss your options and ensure your RV is properly protected.

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.