Year-Round Boat & Camper Insurance

This year, more than ever, people got their fair share of time on the water or spending time outdoors. Unfortunately, good things must come to an end… should you cancel insurance on your boat or camper? Year-round boat and RV camper insurance is optional, but it’s strongly recommended. You may think your boat and RV are safe now that they’re not on the water or road, but what about fire, vandalism, theft, and especially in Wisconsin, winter storms?

Does home insurance cover boats and campers?

Campers – Quite often people think that if they store a camper in their garage that it’s covered by their home insurance policy if it burns in a fire, or is stolen, etc. Homeowners insurance policies do not extend any amount of coverage for recreational trailers/campers at all. If it’s valuable to you if it’s damaged by a storm, stolen, burned, or even crushed by a tree be sure to keep your policy in place that you have for the summer/seasonal use.

Boats – Most home insurance policies only provide a very small amount of coverage for boats or utility trailers automatically. Usually only around $1500.00 in coverage for small items like a rowboat or canoe/kayak. Some provide a higher amount, but not usually more than $2500. Again, if your boat is worth more, keep it insured on your watercraft insurance policy in the offseason if you keep it in your garage, or just on your property. This is especially important to consider if your boat is stored outside and is vulnerable to the elements like storms and all that comes with them (hail, fallen trees, etc.)

What if I keep my boat or camper at a storage facility?

Sometimes it’s recommended to keep your RV or boat stored at a facility. They have more advanced security measures and typically offer climate control so it won’t freeze in the cold months. However, there are still risks to keeping it in a facility. Think about it; your boat or RV is parked next to other boats and campers; accidents and collisions can still happen. You may also be asked to sign a ‘Hold Harmless’ agreement for the storage facility so you’d want to keep your insurance in place in case it’s damaged somehow.

What extra steps can be taken to keep my possession safe?


  • Keep it clean. Cleaning your camper before and during the cold months will help to avoid mold, rust, and more.
  • Visit your camper monthly. What’s the harm in regularly checking in on your possession to make sure it’s clean, undamaged, and safe?


  • Empty gas tank and drain all fuel; old or clogged fuel can damage the engine
  • Make sure there’s no water in the tank.
  • Clean out any food, clothing, or removable equipment. This can help to avoid corrosion, mold, or rust. Remember to clean the underside of your boat.

Every insurance company and policy runs a little bit differently, so it’s important to work with your agent to research and discuss all options. You can more than likely lower your insurance in the winter months. However, keep in mind that even if your boat or RV is safe from the elements in a storage facility, it’s still susceptible to fire, theft, glass breakage, or other damages or losses.

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