When you own an RV it’s only smart to also have RV insurance coverage. By getting RV insurance you are protecting yourself from a potential loss if something were to happen to your recreational vehicle without coverage (think of it as protection on your investment). RVers in the know prefer RV insurance coverage over traditional automobile coverage on their recreational vehicle for a few obvious reasons. Most general auto insurance companies don’t provide coverage for these items that are specific to recreational vehicles; their coverages are designed for the every day car and just don’t extend to covering the RV to its full extent. So RVers who opt for coverage through their general auto insurance company almost always end up with out of pocket costs. Consider some of the more typical claims that are made on RV insurance by RVers just like you before you decide which coverage you want protecting your investment.
1. Fire: fires in RVs are usually due to gas leaks. RVs (in general) have a gas tank (propane or LP) for running appliances and providing heated water, etc. Even a small leak in the tank or hose creates immediate fire danger. It’s one of the most vital maintenance tasks RVers should never avoid; check for leaks at least once a year.
2. Tires: blown tires are a common problem for both RVs and automobiles. But RVs are larger than automobiles and carry a higher risk of problems resulting from a blowout like skidding or rolling. It’s a big reason supporting the need for proper insurance coverage, but more than that…it’s a big reason to check your tires for wear and tear that could lead to a blowout on a regular basis. Don’t use up your tires before replacing them. Stay safe by replacing tires before they become a hazard on the road.
3. Pests: Pests become a problem mostly when RVs are in storage. RV insurance coverage can be accessed to cover any damage that has been done by pests (mice, etc.) while your RV was in storage, but to avoid the problem altogether…make sure that any openings are securely closed, fastened or covered and clean the RV thoroughly before vacating. (Pests are looking for food when they enter your stored RV…if there are no crumbs or remains to be found they’ll venture somewhere else).
4. Awnings: Awnings are a popular feature for many RVers. Partly due to their high usage awnings are also damaged fairly often. Their position on the side of the vehicle leaves them vulnerable to damage by direct contact with obstacles (trees, etc.) A general rule of thumb to avoid damage as much as possible is to put the awning away when it’s not in use. Always put them away when wind is high and during rain set the awning up with one corner lower than the rest so that water can drain instead of collecting on top and creating a massive weight for the awning to carry.
Most experienced RVers suggest having specialized RV insurance. It’s quick and easy to get quotes from several different companies (because we all want the very best deal) and you can also easily compare coverage options. That way you’ll know that you purchased your peace of mind at the best price on the market! And that makes RVing even more fun! Enjoy your next trip!
