What Does RV Insurance Cover?

What Does RV Insurance Cover?

6 min read

RV insurance is essential because it pays for RV repairs if your RV is damaged in an accident. Whether your RV is a fifth wheeler, huge motor home, or a small travel trailer, it is a big investment that needs to be insured.

If an accident or disaster happens, you will not feel the pinch of doing repairs on your RV if you have adequate insurance, but exactly how far will the coverage go?

RV insurance protects your camper if it is damaged in an accident. This coverage is also available for personal items inside your vehicle. There is also liability coverage for when your RV is parked or when on the road. Additionally, you can choose a medical payment for paying medical bills if you get involved in an accident.

 

Does RV insurance cover rodent damage?

When out on the road with your RV, you are sure to run into the furry creatures. While some of these creatures look cuddly in nature, they can do serious damage to your RV. If you leave your RV parked without attending to it, especially in the cold seasons, rodents – such as mice or squirrels – can invade your camper as they look for a warm place to stay.

Insurance companies do not usually cover rodent damage because damage from rodents is viewed as negligence. To avoid rodent damage, it is important to keep your trailer free from them.

Use mouse traps in the RV to catch the rodents that may enter without your knowledge. The traps will catch the rodents, and no damage will be caused to your RV.

 

Does RV insurance cover water damage?

When you are out on a road trip, an issue that could emerge when you come back is water damage. Most of the time RV’s are outdoors, and water damage can become an almost unavoidable issue.

Some insurers include water damage in their policies, while others require an RV owner to purchase the policy as an add-on. Other insurers do not offer this policy at all.

In policies with a water damage cover, it is normally restricted to overland water and sewer backup. It means that damage caused by the overflow of water bodies or torrential rainfall, or backed up sewer will be covered.

However, there are certain conditions that you need to meet, like packing your trailer away from the river at a certain distance.

Water damage from burst pipes or faulty plumbing systems in your RV can be included in your policy, but sometimes problems of frozen pipes may not be covered.

It is important to check with your insurer or broker to know what has been covered and what has not been covered regarding water damage.

 

Does RV insurance cover delamination?

RV delamination occurs when your RV’s outer layer, fiberglass, or gel coat starts separating from the underlayer or plywood. Usually, this process begins as a small crack that starts to spider out of the original picture. These small damages lead to larger issues that are sped up by water or moisture.

Proper maintenance of an RV can prevent delamination. Therefore an insurance cover for delamination is not offered by insurance companies. At most times, when you notice the damage from delamination, it can be severe beyond repair.

Delamination usually occurs because of moisture getting into the space between the outer layer and substrate, normal wear and tear, and neglect. It would be best if you had frequent inspections of your RV to check for any signs of delamination.

By performing maintenance and proper upkeep, you can prevent delamination in the future.

 

Does RV insurance cover awning damage?

Awnings of RV are covered generally. However, some policies exclude awning cover, or you can opt to exclude your awning cover to lower your premium possibly. Awnings damaged by storms can also have a minimum special deductible.

 

Does RV insurance cover hurricane damage?

RV insurance covers hurricane damage because it is categorized as a natural disaster. As an RV owner, you should have the comprehensive cover, which also known as “other collision”. This means that it it covers damages that have not been caused by collision accidents.

Hurricanes, storms, falling trees, hit and run accidents.

 

Does RV insurance cover theft?

If you have a comprehensive cover for your RV and it is stolen, this cover will protect you. The comprehensive coverage gives protection for damage to your RV or camper caused by accidents that do not involve a collision with vehicles or other objects.

So if your RV is stolen, your comprehensive coverage will help cover the damage.

It is vital to understand what your comprehensive policy includes to be better protected when you encounter a problem with your RV, such as a theft case.

 

Does RV insurance cover mold?

RV insurance does not cover mold or fungi damage even if it has been caused by an event that has been insured, such as a storm. Proper maintenance of your RV should be observed to prevent the growth of mildew and mold, which is why insurers do not cover mold.

There are a few tips you should have in mind as an RV owner to prevent mildew and mold from causing havoc on your motor home, such as;

You should routinely check seals and gaskets to ensure that your RV is sealed properly to avoid moisture problems that cause mold.

  • Avoid humidity in the RV. Allow air to freely circulate in the camper to prevent the growth of mold. Keep air filters clean.
  • Ensure all repairs are done promptly: These should be done by an expert to avoid any moisture from seeping into the RV.
  • Take care of any leaks: Especially from sinks and toilets to avoid mold growth.

Remember that mildew and mold are preventable problems, so insurance companies do not cover mold damage.

 

Does RV insurance cover roof leaks?

Insurance companies do not insure situations considered as maintenance and roof leaks fall under this category. Most claims for roof leaks occur around caulking joints, old gaskets, exposed screws on the roof, and all these are maintenance issues.

Leaking roofs are termed by insurance companies as maintenance problems, and therefore, they do not have a policy for roof leaks. Give your RV roof good protection that will last you many years. You can have the roof of the RV coated to prevent any leaks.

However, if a roof leak has occurred due to a collision or damage by a falling tree, the insurance company pays for the repair. Your insurance broker needs to be certain that the leak came from damage by a fallen tree, or else they will not pay.

 

Does RV insurance cover other drivers?

RV insurance coverage helps protect you from drivers who do not have liability insurance for damages caused to you or your passengers in case of an accident with uninsured drivers. This cover also protects you from hit and run accidents.

RV insurance also covers all the drivers that were listed on the policy cover when you bought the insurance, and it is subject to policy coverage provisions and limits. It also protects you from underinsured drivers.

 

Does RV insurance cover vehicle damage?

Many states require RV owners to have insurance. Most RV policies only have liability insurance that pays for only third- party damages or injuries that result from accidents that are your fault. This, however, doesn’t cover vehicle damage.

To have additional coverage, you will need to ask your insurance broker to add insurance for physical damage to your policy. This policy can be a collision insurance policy covering you if your RV gets wrecked or damaged in an accident.

 

Does RV insurance cover fogged windows?

RV insurance does not cover foggy windows since this falls under the category of maintenance. Foggy windows in an RV occur due to excessive humidity, sun exposure, or a broken seal leading to moisture build-up.

Cases that are termed as maintenance are not covered by insurance, and it is up to you to ensure that you maintain the windows properly to avoid fog from forming in them.

 

Final thoughts

When people are buying a new car, they also set aside money for insurance, which should be the case when it comes to buying an RV. Factor in the RV insurance cost to have a better idea of how much your camper will cost. It is also essential to note that you cannot take your RV on the road without the required insurance cover.

Shop around for companies that offer RV insurance to get the quotes of the coverage you want to have a budget. Having an idea of the coverage you require is important because it can help you rule out the guesswork on what policy you require.

As you take off for that road trip, always remember to travel with your insurance policy because you do not want to find yourself in a fix if you get an accident, wondering whether your insurance policy will help you or not.

If you found this article helpful, please check out our other articles on RV insurance!

Victoria Miller

I'm the founder of NTT. I live in Miami, Florida, and enjoy learning everything there is to know about tiny spaces.