RV Insurance Coverage-Some Common Claims

RV insurance coverage is a necessary part of owning an RV. Not only is it required by law, but it is also a protection for your investment, which may end up being invaluable if something happens. An advantage of RV insurance coverage over regular automobile coverage is that RV insurance covers RV-specific items such as awnings, stairs, slide-outs, etc. Automobile insurance typically will not cover these items and you will be left paying out of pocket while if you have RV insurance coverage you will be protected. Here are some of the most common insurance claims made by RV owners using their RV insurance coverage and ways to avoid them:

Blown tires: This is a common problem for automobiles as well. A tire (or more than one tire) blows and the RV is sent skidding or possibly even rolling out of control. This is not only frightening it is one of the reasons you should have RV insurance coverage. Check your tires often for excessive wear, especially in warmer climates. Keep them properly inflated, check the alignment, and keep them rotated as well.

Fires due to gas leaks: This is one of the most common claims made to RV insurance coverage. Most RVs have a propane or LP gas tank that they use for heating water, running the refrigerator, and other functions. If the tank or its hose develops a leak, you are in immediate danger of a fire. Have your gas system, tanks, and hoses checked at least once a year before you head out for the season.

Awning trouble: This is one of the key reasons to have RV insurance coverage. Awnings can easily be banged up against trees and other obstacles because they stick out from the side of your RV. Storm damage to awnings is also something that RV insurance coverage will take care of. In order to protect your awnings, put them in whenever there are extremely high winds. Lower one corner in a powerful rainstorm to allow drainage. When you are not in the RV or you are sleeping, put the awning away.

Pests: If you store your RV for long periods, you may need your RV insurance coverage to reimburse you for damage caused by mice, squirrels, and other pests that may take up residence in your RV. To avoid problems with rodents and other pests, you should first make sure that any openings are covered. Do not leave food or crumbs in the RV to encourage these wild diners.

RV insurance is easy to get if you know where to look. One of the best places to look is online. You can compare a bunch of different companies quickly and easily to find the one that has the best coverage for the best price. Some companies will even be able to give you a free quote within minutes. As you travel around in your RV, whether it is a travel trailer or a luxury motor home you can have peace of mind with the best RV insurance on the market.