Are you a great adventurer who thrives in the outdoors? You may own or want to own a recreational vehicle at some point in your life. While RVs are a fun addition to your outdoor lifestyle, they can also come with headaches depending on your luck.
Much like homes or cars, RVs can be damaged by uncontrollable events. That’s why RV insurance exists.
Among the many events that can happen to RVs, water damage is a very common one. This can be a difficult disaster for an RV owner mentally, physically and especially financially as not all RV insurance policies cover water damage.
What is an RV?
By definition, an RV or recreational vehicle can be several things. They all share the same characteristic—accessory vehicles to enjoy recreational activities. Examples include but are not limited to watercraft, scooters, fifth-wheel trailers, etc.
At Sanford Insurance, we cover a variety of RVs:
- Watercraft
- Motorcycles
- Scooters
- Travel trailers
- Pop-up campers
- Fifth wheel trailers
- Other recreational vehicles
While these are the different types of RVs, most people assume an “RV” refers to a motorized RV, travel trailer or large version of a pop-up camper. For the purposes of answering the question about water damage, these vehicles commonly referred to as RVs is what will be discussed.
How Water Damage Happens to an RV
Water damage can be caused by a number of things, especially in the outdoors. A busted pipe, leaking RV water heater, storm damage or collision are all viable ways water damage can happen in an RV.
Whether it’s parked at your home, campsite or on the road, water damage is almost always possible. It can ruin your RV and become financially taxing. Thankfully RV insurance exists, but the question is, “does it cover water damage?”
Does RV Insurance Cover Water Damage?
The short answer is…it depends. Most comprehensive insurance coverage plans may cover water damage but always check with your insurance provider to be certain. Scenarios that are generally covered only involve unforeseeable incidents that cause water damage.
There are some exclusions to most comprehensive plans. For instance, any damage that was a result of negligence or poor maintenance is typically not covered.
Reading your policy carefully or asking an insurance representative is the best way to know about excluded events.
Speak with RV Insurance Providers in Richmond, VA
Water damage can easily become a big problem for your RV—stopping any future adventures. RV insurance can help relieve the headaches depending on your policy’s stipulations.
If you’re insured with Sanford Insurance, we would be happy to clarify your policy with you, and if you’re not insured with us, we are happy to discuss your options with you.
Contact us today for more information about your RV insurance policy options.