#United States #Farmers Insurance #Woodland Hills #recreational vehicles #Seasonal Coverage

Farmers Insurance® Provides Essential Seasonal Coverage Insights for Recreational Vehicles

As the warm months invite individuals to indulge in outdoor adventures, recreational vehicles such as boats, RVs, and motorcycles begin to see more frequent use. Farmers Insurance® has issued a timely reminder highlighting essential coverage checks to ensure that your cherished assets are adequately protected. According to the company's analysis of claims data from 2021 to 2025, there is a notable increase in recreational vehicle losses during peak usage seasons. This emphasizes the importance of evaluating and adjusting insurance coverage as the seasons change.

Claim Insights

The peak seasons bring increased activity, so understanding the associated risks is crucial for owners. For example, the data signals that recreational vehicle claims can more than double in certain months, particularly in summer when boats and motorcycles are frequently used.

Seasonal Coverage Checks

Todd Shasha, the Director of Product Management at Farmers, acknowledges that these seasonal transitions present an excellent opportunity for vehicle owners to reassess their insurance coverage. He states, "It’s vital that the coverage reflects the current value and usage of the vehicle or boat. Our policies are crafted to ensure consistent coverage throughout the year, with discounts that cater to seasonal use."

Key Findings from Claims Data

Recreational vehicles often see a surge in claims during their peak usage months:

• - Travel Trailers: Spring marks the return of trailers after winter storage, returning with a dramatic increase in claims — nearly three times higher during peak months. Weather-related damage, such as wind and hail, remains a leading cause.
• - Boats: The data indicates that boat claims surge more than five times from winter lows to peak summer months, particularly in July. Most incidents arise from collisions with static objects like docks and pilings, with wind damage also being a common concern.
• - Motorcycles: Although motorcycles can be used throughout spring and summer, the highest claims occur later in the season. By this time, mileage adds up, and the need for regular maintenance, such as tire and battery checks, becomes crucial. A significant proportion of motorcycle claims involve roadside assistance.

Maintaining Coverage Year-Round

Despite many vehicles being seasonal, Farmers Insurance suggests that full coverage should remain in place year-round, even during storage periods. They offer a Lay-Up Discount* for vehicles stored for at least three months without removing coverage. This ensures that should an unexpected opportunity arise—like a sunny winter day or an early spring weekend—owners can enjoy their vehicles without worry. Coverage must also include protection against theft, fire, and other risks that don’t take a break during downtime.

Simple Insurance Checks

To ensure optimal coverage, Farmers recommends the following checks:
1. Year-Round Insurance: Ensure that the vehicle’s insurance is active throughout the year, including during storage.
2. Current Value Review: Update the policy value to reflect the vehicle's current worth.
3. Notify of Upgrades: Inform the insurance agent about any upgrades or new equipment that might affect the vehicle's value.
4. Changes in Vehicle Usage: Communicate any modifications in the vehicle’s usage, such as driving on public roads.
5. Discount Opportunities: Investigate discounts available that reflect reduced use without compromising the coverage.

Specialty Insurance for Unique Assets

With the increasing popularity of non-traditional assets like eBikes and tiny houses, the need for specialized insurance coverage is also on the rise. Farmers Insurance provides tailored options to meet these evolving demands. It is crucial to work closely with an insurance agent to ensure adequate coverage that aligns with individual usage and asset types.

For further insights on recreational vehicle insurance and the appropriate coverage measures to consider, visit Farmers Insurance’s official website. Recognizing the unique nature of each recreational vehicle, Farmers is committed to providing the necessary support and tailored coverage options that fit every owner’s needs.