What is Storage/Winterization?
Storage or winterization coverage is a type of insurance protection designed for vehicles, boats, RVs, or other property that is not in use for an extended period—typically during the winter months. It helps safeguard your asset while it’s stored away and not being operated, offering peace of mind during off-seasons.
Who Needs It
This coverage is ideal for seasonal vehicle owners, such as those with classic cars, motorcycles, boats, or RVs that are stored during certain times of the year. If you don’t plan to use your vehicle for a few months, storage insurance can help maintain protection without paying for full coverage you don’t need while it’s parked.
What It Typically Covers
While policies vary, storage or winterization coverage usually includes:
- Comprehensive coverage: Protection from non-driving risks like theft, fire, vandalism, or weather damage while in storage.
- Rodent or animal damage: Some policies may include coverage for damage caused by nesting animals.
- Storage location protection: Coverage applies whether your vehicle is stored in a garage, storage facility, or on private property.
Common Exclusions and Limitations
Because storage coverage is meant for non-operational vehicles, it typically excludes:
- Liability coverage: You may not be covered for accidents if you drive the vehicle while it's under storage coverage.
- Driving-related claims: Damage from road use or collisions is usually not included.
- Unapproved storage: Storing your vehicle in an unsecure or unauthorized location may lead to denied claims.
Factors That Influence Cost
The cost of storage or winterization insurance depends on several variables, including:
- The type and value of the vehicle or property
- Where and how it's stored (garage, outdoor lot, etc.)
- Your claims history and location
- The length of time you need the coverage
Proof of Insurance & Compliance
Some states may have specific requirements for maintaining insurance—even for stored vehicles. Always check with your local DMV or insurance provider to stay compliant. Storage coverage may also help you avoid registration or penalty issues in some situations.
How to Get a Quote
Looking to protect your seasonal vehicle during the off-season? Get a quote today and explore your options for storage or winterization coverage.
Frequently Asked Questions
Can I drive my vehicle with storage coverage?
No, storage or winterization coverage typically excludes liability and collision protection, so it’s not intended for use while driving.
Do I need full insurance if my car is in storage?
No, many people reduce their coverage to comprehensive-only while a vehicle is stored, but you should confirm with your insurer to ensure proper protection.
Is storage insurance required by law?
Requirements vary by state. Some states allow you to suspend liability coverage if your vehicle is not in use, but others may require minimum coverage year-round.
Can I store my vehicle anywhere and still be covered?
Coverage may depend on where the vehicle is stored. Approved, secure locations are usually required to remain eligible for claims.
What types of vehicles can be covered by winterization coverage?
This type of coverage is commonly used for boats, RVs, motorcycles, and classic cars that are not used year-round.
Still have questions? Talk to a local insurance expert.