Q: I currently have full coverage on my recreational vehicle, but do I need it all year long when it’s in storage? Can I save money by dropping full coverage during this time, and is it a good idea?

A: You do have the option of carrying Storage-Only insurance when the vehicle is not in use. This will cover things like theft, vandalism, falling objects and damage caused by weather or animals. It does not cover damage resulting from collision with another vehicle. There are some risks to not having year round collision coverage (full coverage)