Thor Forums

[gmc]

Originally Posted by Joe-FL

...
National Insurance (thru Good Sam"s) is one of the few RV insurer's that will allow you to drop collision while your unit is in storage. We could have gotten a slightly better rate from the same company that insures our home, but they wouldn't let us drop collision. By us dropping collision our premium goes down by 45% while the MH is stored. Just something else to consider, of course your financial institution (if your RV is financed) will have to give permission to drop collision while in storage also) when comparing rates.

A word of caution - and likely varies by state...
In Michigan - if I dropped collision - and had the RV in storage (using local storage lot) - and someone hit my RV with their MH, trailer, mower, snow plow, vehicle, etc - I would be without coverage...
Michigan is a no fault state with some interesting (being nice) insurance situations.. including strict limitations on what one can recover from an 'at fault' party for vehicle damages...
Your state / circumstances may be different.

I haven't checked into Florida - where MH will now be stored on my property... but I don't expect to have it in 'storage' for months at a time either.