As a camper owner in the Midwest, you know how rewarding RV travel and outdoor recreation can be. During the height of COVID, many policyholders purchased campers at record prices, and today, some are left unattended or not properly maintained—leading to higher risks for insurance claims. 

Whether you own a motorhome, travel trailer, or pop-up camper, it’s essential to understand the risks involved in camper ownership, especially regarding maintenance practices and storage conditions. By taking proactive steps, you can lower your chances of a claim and safeguard your investment.

Types of Campers

Before thinking about maintenance and storage, it’s important to know which category your camper belongs to:

• Class A, B, and C Motorhomes: Self-powered RVs that vary in size and amenities.
• Travel Trailers: Tow-behind units ranging from small teardrops to large fifth wheels.
• Pop-up Campers: Lightweight trailers with expandable sections, often made of canvas or vinyl.

Each type has unique risks. For example, motorhomes serve as both a vehicle and a living space, while travel trailers are often parked for long periods.

Maintenance: A Key Factor for Your Safety

Neglecting camper maintenance can make you more prone to claims. Common issues to watch out for include:

• Roof leaks and water damage from wear and tear
• Electrical fires caused by small appliances or faulty wiring
• Camper damage from falling trees

Regular inspections and repairs help prevent these problems.

Storage: Security and Environmental Hazards

How and where you store your camper—especially during the off-season—can greatly affect your insurance risks.

• Indoor Storage: Offers protection from the weather and UV damage, though it may be more expensive.
• Outdoor Storage: Exposes your camper to the elements, increasing chances of theft, damage from trees, or rodent infestations.

Your geographic location matters too. Storing campers in wooded areas or floodplains can raise your risk. It’s wise to choose elevated, secure places, especially during stormy seasons.

Security Measures

Protect your camper by using:

• Wheel locks
• GPS trackers
• Hitch locks
• Secure fencing

Consider installing surge protectors, smoke detectors, and backup cameras to further prevent loss or damage.

Information to Keep Handy

To make sure your coverage is right for you, be prepared to share information with your insurance agent such as:

• Year, make, and model of your camper
• Camper length and value
• Storage location and conditions
• Safety features installed (e.g., smoke detectors, surge protectors, backup cameras)

Proper maintenance and secure storage not only reduce your risk of claims but also help you get the most value from your insurance policy. By staying informed and proactive, you can work with your agent to tailor coverage that truly protects your camper and your outdoor lifestyle.