Seasonal Storage Q&A: Mice, Storage‑Only, Lenders, and Location (Recap & Checklist)

If you caught our live conversation, you heard the stories: the camper that became a mouse hotel, the first ride of spring taken on storage‑season coverage, and the boat that spent winter in a relative’s garage. Each story points to one theme—what you do before storage matters. Here’s a recap you can use this weekend in Michigan or Ohio.

Rodent damage: a common surprise Rodent damage isn’t automatically covered. Some policies offer limited protection; many exclude it. If critters are a concern where you store your RV or boat, ask us to review your policy language and any available options. Then reduce temptations: remove food, seal openings, and consider deterrents recommended by your manufacturer or service tech.

Storage‑only (comprehensive‑only): when it can help Storage‑only is designed for a truly parked vehicle. You typically keep comprehensive for off‑road perils (theft, fire, vandalism, falling objects, certain weather) and remove on‑road coverages like liability and often collision. If you switch, do not drive until you restore on‑road coverage. In MI and OH, proper insurance is required to operate on public roads.

Lender requirements: don’t skip this step Financed or leased? Many lenders require comprehensive year‑round and may also require collision. They must remain listed as loss payee. Changing coverage without clearing lender rules can create problems if there’s a loss. Call your lender first; then we’ll align your policy.

Where you store it: tell your agent At home, a relative’s garage, a marina, or a commercial lot—each has a different risk profile. Share the storage address, security, timeframe, and any agreement rules (locks, battery removal, access hours). Your agent uses these facts to keep your policy accurate.

What to leave in—and what to take out Take out valuables (electronics, tools, fishing gear, drones) and definitely remove food. If you’re leaving anything significant in the RV, photograph contents and condition before you lock up. Save photos to the cloud so you’re not relying on memory in March.

Simple pre‑storage checklist

• Review comprehensive details and exclusions (rodents are often excluded)

• Confirm lender requirements

• Share the storage address and setup with your agent

• Winterize per manufacturer guidance

• Remove valuables and food

• Photograph exterior, VIN/HIN, cabinets, and compartments

• If switching to storage‑only, set a calendar reminder to restore coverage before spring

Final thought A few minutes now protects your time (and sanity) later. If you’re in Michigan or Ohio and want a quick, no‑pressure review, we’re here to help.