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RV Insurance: Winter Storage and Travel to the United States 2026

Are you storing your RV for the winter or heading south as a snowbird to Florida, Arizona, or Texas? Your RV insurance policy must specifically cover winter storage and travel to the United States — duration, destinations, value. Assur360 is an independent comparison platform that connects you with certified AMF partner firms. The brokers from our partner firms compare over 9 specialized RV insurers for the best winter storage and USA coverage, at the best price.

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Typical winter storage discount

Winter Storage of RV in Quebec — what the policy must cover

Fire / Theft Coverage During Winter Storage

Maintained at 100% during winter storage. This is non-negotiable: the majority of winter claims = fire or theft/vandalism.

Winter Discount (5-15%)

Many insurers reduce the annual premium if the RV is stored from November to March. Ask for it — it is not always applied automatically.

Declared Storage Location

Secure warehouse, residential yard, family land: to be declared. The location impacts the theft/fire risk.

Partial Suspension of Road Coverage

During winter storage, some policies suspend collision and roadside assistance. Additional savings if you do not take the RV out.

Damage from Snow and Ice

Roof, solar panels, antennas: winter exposure = risk. Check for exclusions related to snow weight.

Reactivation in Spring

Resumption of road coverage in spring. Important: do not take the RV out before reactivation, otherwise not covered.

Travel to the United States — Essential Rules

1

Check the Maximum Covered Duration

30, 60, 90, 120, or 180 consecutive days depending on the insurer. Snowbirds: aim for a minimum of 120-180 days for Florida.

2

Declare the Destination

Florida, Arizona, Texas: generally covered. Mexico: very rarely covered by Quebec RV insurers — check before you leave.

3

Increase Liability Coverage

Claims in the USA can reach several million USD. Recommended minimum: $5M. Ideally $10M for extended stays in Florida.

4

Plan for Cross-Border Roadside Assistance

Breakdowns, specialized RV towing in the USA: not all insurers offer this. It is often a paid option.

5

Document Before Leaving

Photos of the RV, personal belongings, equipment. Insurance card + pink card (Canadian Non-Resident Inter-Province Motor Vehicle Liability Insurance Card) for the border.

Quebec Snowbird — RV Insurance for Florida and Arizona

Florida — long stay (3-6 months)

Aim for 180 days of coverage in the USA, $5 to $10 million in liability, and specialized RV roadside assistance.

Arizona / Texas — moderate stay

120 days generally cover the season. Same liability threshold as for Florida.

Snowbird in Class A motorhome

The premium increases with value and duration. An annual policy with 180 days in the USA typically costs $1,800 to $3,500/year.

Snowbird in a towed 5th wheel

The towing vehicle must also be covered in the USA. Check the auto policy separately.

Personal belongings while traveling

Often high (bikes, BBQ, electronics). Increase the limit to $10,000-$25,000 for the duration of the stay.

Separate medical insurance

Important: RV insurance does NOT cover your medical expenses in the USA. Purchase travel medical insurance in addition.

USA Coverage Comparison by RV Insurer (indicative)

Typical policies observed in the Quebec market. The exact details depend on the chosen product — confirm with your insurance broker.

CriteriaBase PolicySnowbird PolicyNote
Consecutive USA Duration30 days120 to 180 daysCriterion #1 for snowbirds
Liability$2 million$5 to $10 millionUSA = very high claims
USA Roadside AssistanceLimitedExtensive (RV towing)Breakdowns in rural USA
Personal Belongings$5,000$10,000 to $25,000Snowbirds = more equipment
Wintering DiscountNoOften yes (5-15%)If RV stored upon return
Typical Annual Premium (Class A motorhome)$1,100 – $1,800$1,800 – $3,500Depending on value and duration

Frequently Asked Questions

How many days can my RV stay in the United States?
Depending on your insurance policy, the maximum consecutive duration in the USA varies from 30 to 180 days. Snowbirds spending the winter in Florida must absolutely purchase a policy providing for a minimum of 120 or 180 days.
Is the winter discount automatic?
No, it must be requested. Several insurers offer a 5% to 15% discount if the RV is stored during the winter (typically November to March), but this discount must be negotiated with your insurance broker.
Is my RV covered when stored in a warehouse?
Yes, provided that the fire/theft coverage remains active (it is by default unless requested otherwise). The storage location must be declared to the insurer (secure warehouse, yard, lot).
Does RV insurance cover medical expenses in the USA?
No. RV insurance covers your RV, your liability, and your personal belongings. For medical expenses abroad, you must purchase separate travel medical insurance, ideally multi-trip for snowbirds.
What is the minimum liability coverage for traveling in the USA?
$5 million minimum recommended. For extended stays in Florida or a high-value RV, aim for $10 million. Claims in the USA can reach several million USD.
Is my RV covered in Mexico?
Very rarely by Quebec RV policies. To cross into Mexico, you generally need to purchase specific Mexican RV insurance. Check before departure.
What happens if I exceed the duration in the USA specified in my policy?
You risk being uninsured during the out-of-limit period. Before extending a stay, contact your broker to extend the coverage — this is usually possible for an adjustment in premium.
Does the RV need to remain registered in Quebec during a stay in the USA?
Yes. The Quebec license plate and valid registration are mandatory. The Quebec driver’s license is sufficient to drive in the USA (tourist ≤ 6 months).

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