What Does RV Insurance Cover? (2024)

FAQs

What Does RV Insurance Cover? ›

Standard RV coverages

Comprehensive coverage protects your RV against events beyond your control: theft, vandalism, windshield damage, acts of nature, rocks and debris kicked up by other vehicles, and accidents with animals.

If the power surge resulted from a covered peril, then your RV policy's comprehensive coverage may pay for the damage, minus your deductible. If the power surge was caused by negligence, such as a lack of upkeep or faulty wiring, then any consequent damage isn't likely to be covered.

Comprehensive coverage can safeguard your motorhome or trailer from events beyond your control, including hail, high winds, lightning, fire, vandalism, theft, hitting an animal, and broken glass that isn't the result of a collision.

Comprehensive coverage may pay for water damage that's out of your control. For example, if a tree falls and puts a hole in the roof of your RV and it rains inside your RV, comprehensive coverage may pay to repair the damage, minus your insurance deductible.

Appliance Coverage Is Typical In RV Insurance

Therefore, they are also considered a home unit. So items such as the refrigerator, television, plumbing systems, and your air conditioner can be covered. It all depends on the scope of your policy and how you set it up with your insurance provider.

Like auto insurance, coverage for your recreational vehicle is required. Many states require uninsured or underinsured insurance, and every state requires minimum liability coverage if the vehicle is driven on the road.

Also known as “other than collision,” this coverage can help pay for non-collision damage to your RV. This includes damage from vandalism, theft, failing objects, fire, storms, floods and certain other natural disasters.

Nationwide, Progressive and Allstate are our top three picks for the cheapest RV insurance providers. The cheapest type of RV coverage is liability insurance, which is required for driveable RVs. RV insurance can be as cheap as $125 per year for basic coverage.

Keep in mind that warranty companies will always look at the root cause of the failure to determine whether or not an item will be covered. Take a leak for example. A leak is the result of something else failing. If something like a water heater or water pump caused the leak, that would be covered.

What is not covered by RV warranty? ›

The warranty can protect you from unexpected and costly expenses in case of mechanical breakdowns or system failures in your RV. Keep in mind an RV warranty does not cover damage caused by accidents, collisions, natural disasters, theft, or vandalism. That's why you have RV insurance.

Electrical panels are typically covered by your homeowners policy if the damage is the result of a "sudden and accidental" loss caused by a peril, such as a fire or lightning. However, you typically won't be covered if the damage is the result of age or improper maintenance.

Full-time RV insurance

Full-time coverage typically provides: Comprehensive coverage and collision coverage for your RV. This coverage, which often goes together, helps pay to repair or replace your vehicle if it's stolen or damaged due to a problem like a car accident, fire, flood, falling objects, hail and vandalism.

According to Progressive, the average annual RV insurance premium is around $502 for a travel trailer and $848 for a motorhome. For a minimum coverage RV insurance policy, annual rates start at $125. Before you purchase an RV insurance policy, it's a good idea to shop around and get several RV insurance quotes.

Actual Cash Value (ACV)

Actual Cash Value or the ACV of your RV is the actual market value of your RV. This number should come from a third party source such as the National Automobile Dealer's Association (NADA), or other similar source.

Rubber or EPDM roofs are prevalent in many RVs, known for their durability. However, replacement costs can range from $5,000 to $9,000 or more. Despite their robustness, these roofs can develop issues such as tears, leaks, or degradation over time.

Yes, water damage is covered by RV insurance provided you have comprehensive coverage and your insurer regards it as a covered peril. Your insurer will only pay for water damage that happened unexpectedly. For instance, flash floods will probably be covered.

Roof leaks are one of the most common problems RV owners face. By inspecting your roof regularly, you can potentially find and fix a small problem before it becomes a huge one. In my many years as a full-time RVer, I've seen the kind of damage an untreated roof leak can do to an RV.

If your motorhome or non-stationary travel trailer is damaged by a non-domesticated animal, such as a bird, rodent, or mouse, pest damage protection can pay for the repairs. Your RV must be less than six years old to be eligible for coverage and a $250 deductible applies.

I'm talking about outdoor furniture, portable grilles, small appliances and the like. These items fall under the category of personal property and can be covered under the “contents” portion of your RV policy. Note that some high-value items might need to be listed individually on your policy.

What voids an RV warranty? ›

Mechanical Modifications

Aesthetic changes to your RV are generally fine, but if you are planning to make any changes to the vehicle's mechanical function, you should call your RV Warranty Specialist beforehand. These changes will likely void coverage, so it's best to ask first.

CON: RVs can be high maintenance

RVs require a lot of upkeep. You need to keep on top of cleaning, which includes dumping RV waste. You also need to make sure fluids are topped up and tired are inflated. Then of course, there could be occasional repairs that need doing.

Typically, your homeowners' policy will cover your camper or RV against risks such as fire, theft, vandalism, and some weather-related damages, but only when the vehicle is parked on your property. The moment you take your camper on the road, homeowners insurance ceases to cover it.

Without comprehensive coverage on your motorhome policy, damage from hail won't be covered by your RV insurer. Explore Progressive's editorial standards for Answers articles to find out why you can trust the insurance information you find here.

Key Takeaways: RV insurance can cost about $125 per month on average depending on your RV and situation. Motorhome insurance for full-timers is typically more expensive than standard policies and can be as expensive as $3,000 per year.

How does RV insurance work? If you damage your RV or cause injuries to someone else (and/or their property), you can file a claim with your insurance provider. Depending on the incident that occurred, your insurer may pay for the losses or injuries up to your coverage amount.

Awning damage to your RV is often covered by an RV insurance policy, though the details vary depending on your policy and insurer. Some providers may include it as standard on collision or comprehensive coverages. In other cases, awning damage can be included but subject to a different deductible than other claims.