If you are searching for “does rv insurance cover water damage”. This post should help!
When taking your RV out on a road trip, a common issue that could emerge once you come back is water damage. RV’s spend most of their time outdoors, and some water damage is nearly unavoidable. So, the question immediately becomes – does my RV insurance cover water damage? The answer, like most insurance claims, is not always clear.
The Type of RV Coverage You Get Matters
Essentially, what type of RV insurance you have and how you use your RV, is significant. There’s an abundance of RV insurance policies out there, and a vast difference between full-time RV living and part-time RVing.
Typical RV Insurance Options
Liability Coverage: If you are the cause of an accident, liability coverage protects you from the costs related to causing bodily harm to another individual. This coverage works comparable to your car insurance. You are required to have an adequate amount of coverage to drive your RV legally.
Collision Coverage: This type of coverage protects your RV when you are in an accident with another vehicle or object. The coverage typically protects the structure of the RV and specific objects inside the RV.
Comprehensive Coverage: This coverage protects your RV from damages not from an accident. Common problems include fire damage, hail damage, and even water damage. Comprehensive coverage does not ensure water damage protection by itself.
Contents Coverage:This coverage provides protection for your personal effects that travel along with you in the RV. Things such as your TVs, computers, clothing, and other valuables can be covered. Be sure to verify what is, and what is not included with your insurance agent.
Medical Payments Coverage: This coverage will pay for your medical costs associated with injuries you or your passengers experience in a collision you caused.
There is no exact water damage coverage readily available. You will need to specifically ask your insurance agent regarding full water damage coverage and see if the agency even offers such a policy.
A lot of the policies mentioned above, like comprehensive, will offer water damage coverage in certain circumstances. If a rainstorm hurls a tree branch through your RV’s window and rain causes damage after the window was broken, your RV should be covered – if you have a comprehensive coverage policy.
Despite that, other circumstances may leave you helpless. There are a lot of exclusions with water damage policies for RVs.
Water Damage Exclusions
There is no way to list every exclusion, as it really isn’t possible, but here are some typical exclusions that RV owners encounter – if they don’t specifically ask for water damage coverage. Some common RV insurance water damage exclusions are:
- Defects from The Manufacturer
- Usual Wear and Tear
- Not Being Properly Maintained Over the Years
- Freezing Temperatures
- Build-up of Snow And/ Or Ice
- Water Leaks
- Dry Rot, Corrosion, Or Rust
If your water damage claim develops from any of the above situations, a typical RV insurance policy will usually deny the claim. If you want protection against these types of water damage issues, you will need to speak with your insurance agent about getting a full water damage policy.
Do You Need Water Damage Coverage?
A lot of RV owners ask this question, and there’s no definite answer. Every RV owner is going to have a different situation. Commonly, you will need to take into account how often the RV is going to be used, where you’re traveling to, the age of the RV is, and where the RV is going to be stored.
If you live in the RV full-time, then a comprehensive policy with full water damage coverage should be taken into account. If the RV is only used every now and then, you may not need water damage coverage outside your normal policy.
If you’re traveling in dry, arid regions that don’t get receive of rain and rarely gets any snow, then water damage coverage may not be needed. Older RVs will need more water damage coverage due to the wear and tear of the RV. Newer models are usually fine.
If you’re storing your RV outdoors when you’re not using it, then the RV is at risk. If you keep the RV in an indoor facility when not in use, then you probably don’t even need it.
Does RV Insurance Cover Water Damage?
If you’re worried about water damage coverage for your RV, you only need to do one thing, talk with your insurance agent and see what kinds of damages are covered in your RV policy. Find out if you have the type of coverage need.