Case Study #1:
Break-In During Winter RV Storage
Overview:
After a long road trip, Mike parked his RV in a gated storage lot near Phoenix for the winter. Two months later, he got a call from the facility—his RV had been broken into. Electronics, tools, and camping gear were stolen.
📍Problem:
Mike assumed the storage facility’s gate and cameras meant the RV was protected. He had paused his regular auto insurance to save money, but no theft coverage was in place.
🟪 Solution:
Thankfully, Mike had purchased layup insurance with theft protection when he stored the RV. He filed a police report and uploaded receipts and photos to the claims portal.
✅ Outcome:
His layup policy covered $3,400 in stolen property. The claim was paid within two weeks. Mike didn’t have to pay out of pocket or reactivate his full policy early.
📘 Lesson for RV Owners:
Storage facilities usually don’t cover your vehicle or belongings. If your rig is off the road, layup insurance can protect it from real risks, like theft.
Case Study #2:
Boat Fire at Marina
🟦Overview:
Karen stored her 22-foot wake boat at a marina near Lake Tahoe. A neighboring boat caught fire during an off-season electrical repair and spread. Her boat suffered smoke and hull damage while docked.
📍Problem:
Karen had canceled her boat policy after summer to save on premiums, believing dock storage meant little risk.
🟪 Solution:
She had enrolled in a low-cost layup plan that kept basic fire and liability coverage active. Her insurer investigated the marina fire and processed her claim for structural damage.
✅ Outcome:
She received $7,200 toward repairs under her layup policy. No hassle, no battles over exclusions, and no need to pay full insurance rates for a boat she wasn’t using.
📘 Lesson for Boat Owners:
Fire, weather, or even another owner’s mistake can damage your boat storage, which isn’t risk-free. Layup insurance bridges the gap when your full policy is off.
Case Study #3:
Classic Car Rodent Damage
🟦Overview:
James stored his 1970 Mustang Fastback in his garage during the rainy season. He checked on it monthly but didn’t notice rodents nesting under the hood.
📍Problem:
When spring came, he discovered chewed wiring, destroyed insulation, and a shredded leather seat. His auto policy had been paused to avoid paying premiums while not driving.
🟪 Solution:
Luckily, James had signed up for layup insurance that included coverage for vermin and storage damage. He documented the issue with photos and repair estimates.
✅ Outcome:
His claim was approved for $2,600 in repairs. He had peace of mind knowing his collector car was protected during downtime, even from rodents.
📘 Lesson for Classic Car Owners:
Long-term storage risks aren’t just theft or storms. Layup insurance can help protect against overlooked threats, such as rodents or vandalism.