Anyone who owns a recreational vehicle hates to see the winter months come. Putting your vehicles away for the next season means taking steps to protect them. If you have a travel trailer you use and rely on, you might expect that your recreational insurance policy will cover any losses you have with it. But that may not always include winter damage.

At Janis-Shunta Insurance, we offer recreational insurance in and around Muskegon, MI that aims to meet all of your needs and minimize your financial risks.

Will Recreational Insurance Cover Winter Damage?

In many situations, recreational insurance provides a level of protection against unavoidable and accidental incidents. If the travel trailer is stored properly, but a roof collapses, causing damage to it, or someone breaks into it, and that leads to winter damage, you can expect your comprehensive coverage to pay for those losses up to the value of your policy. Keep in mind, there are limits to this.

These policies do not cover normal wear and tear. That means if the damage is due to a lack of sealing and protection, and not just from a winter accident, that may impact your ability to receive compensation for the losses. It also depends on the type and the value of coverage you have for your vehicle. If your policy does not offer comprehensive protections, and only has the minimum required liability insurance, you may not have the financial protection you need.

Discuss Your Needs With Our Insurance Adjusters

At Janis-Shunta Insurance, we offer a range of policies to meet your needs. When you are shopping for recreational insurance in or near Muskegon, MI, let us help you compare options to be sure you have the coverage type and amount that fits your specific needs and keeps you safe from risks.