Interest in RV travel and ownership is still on the rise in 2023. If you're planning on driving straight in and purchasing your own RV, you're going to need RV insurance.
When you're driving and/or living in an RV, having the right insurance policy can save you a lot of money and hassle. Not only do you need accident protection, but you may also want coverage for internal problems, like faulty plumbing or electricity.
An important question to ask is, does RV insurance cover water damage? The answer is that with the right comprehensive policy, it will-though it will have limitations.
Ready to learn more? Read on to find out when RV insurance covers water damage.
When Does RV Insurance Cover Water Damage?
With the right type of RV insurance, some types of water damage will fall under the category of "covered events." Covered events are the types and causes of damage that your insurance carrier will provide full or partial coverage for.
For example, you can often cover the cost of water damage caused by an accident using your collision coverage. If your belongings inside the RV (including appliances and built-in structures) are damaged by water, your insurance carrier may provide coverage to replace them.
However, most policies won't cover water damage caused by poor maintenance, negligence, manufacturer defects, or freezing weather. Make sure you know what kind of water damage is covered by your insurance policy before you hit the open road.
How Can You Get Comprehensive RV Insurance?
If your current policy does not seem to provide much coverage, it is time to shop for a better policy. This is where an experienced insurance agency can help.
At Tom Needham Insurance Agency, we take into account everything from the value of your RV to the amount of time you spend in it to your budget when putting together your accurate insurance comparison. We work independently of all insurance carriers, which means that we do not benefit from selling you on one specific policy.
Who Needs Comprehensive RV Insurance?
Only about 1.5% of RV owners live full-time in their RVs. If your RV is your full-time home, you should absolutely invest in comprehensive RV insurance.
However, full-time RV dwellers are not the only ones that would benefit from comprehensive coverage. If you use your RV more than a few times a year or use it to travel long distances, you are going to want the peace of mind that comprehensive coverage can bring.
Contact Tom Needham for RV Insurance
Are you a new RV owner? It is time to start asking questions like, does RV insurance cover water damage? The answer is that with the right policy, water damage is often a covered event.
Ready to learn more about your RV insurance options? Contact us today to get started. We know how exciting buying an RV can be, and we want to make sure that you get the coverage to keep that excitement alive.
