Comprehensive coverage is an important part of any RV insurance policy. It provides protection against damage caused by events like theft, natural disasters, and collisions with animals. Comprehensive works alongside collision coverage to fully protect your motorhome or travel trailer.
While not legally required in most states, comprehensive is highly recommended. It covers damage from:
- Water
- Roof leaks
- Falling objects
- Vandalism
Without comprehensive, you'd have to pay all repair costs out-of-pocket after a covered incident. This article will provide an overview of comprehensive and how it protects your RV investment.
Types of Comprehensive Coverage for RVs
Comprehensive coverage protects RVs from damage caused by events other than collisions. There are a few main types of damage it covers:
Collision Coverage
Collision coverage pays for repairs to your RV after an accident with another vehicle or object. This includes:
- Collisions with other cars, trucks, or RVs
- Hitting guardrails, trees, poles, buildings, or other stationary objects
- Rollovers
Collision will pay to repair or replace your RV if it's damaged in an at-fault accident. Most lenders require collision and comprehensive coverage.
Collision covers:
- Damage to bumpers, lights, mirrors, body panels, frame, axles, and more
- Towing to a repair shop after an accident
- Rental RV fees while yours is being repaired
It does not cover damage from vandalism, theft, or natural causes like hail or floods.
Theft Coverage
Theft coverage is one part of comprehensive that covers your RV if it is stolen. This includes:
- Theft of the entire RV
- Theft of components like generators or solar panels
- Damage from break-ins or vandalism during theft
Theft coverage will pay the RV's market value if it is not recovered. You'll need to provide proof like a police report.
Anti-theft devices like wheel locks, alarm systems, or tracking devices can reduce your premium.
Natural Disaster Coverage
Natural disasters fall under comprehensive and cover your RV for damage from:
- Hail or windstorms
- Hurricanes
- Tornadoes
- Lightning
- Floods
- Falling trees/branches
This covers direct damage to the RV. Separate personal property coverage is needed for belongings inside.
Deductibles for comprehensive range from $250-$2,500. A higher deductible lowers your premium.
What Comprehensive Coverage Includes
Comprehensive policies have some variability, but generally cover the RV for all risks except collision. Here are some common inclusions:
Water Damage
Rainstorms, roof leaks, busted pipes, and flooding can all cause water damage in RVs. Comprehensive covers:
- Interior water damage from leaks
- Mold, mildew, or rot caused by leaks
- Flooding from heavy rains or overflowing rivers
- Damage from frozen/burst pipes and tanks
Roof Leaks
Roof leaks are a common RV issue. Comprehensive covers damage to ceilings, walls, cabinets, and interior components caused by roof leaks and seals breaking down.
Coverage is contingent on the damage resulting from a covered peril like hail or heavy winds. Wear and tear roof leaks may not be covered.
Rodent Damage
Rodents chewing through wiring or TC insulation is common for parked RVs. Rodent damage from mice, rats, squirrels, and other pests is often covered under comprehensive if you have the right add-ons.
Exclusions apply for pre-existing infestations or negligence attracting pests. Traps, screens, and pest control can reduce risks.
What Comprehensive Coverage Excludes
While comprehensive coverage is broad, it does have exclusions. Damage must result from a covered peril - normal wear and tear or negligence may not be covered. Here are some common exclusions:
Wear and Tear
Normal wear and tear damages are not covered under an RV comprehensive policy. This includes:
- Fading/chipping paint
- Upholstery wear
- Carpet stains or tears
- Appliances/electronics failing due to age
- Leaky roof seals or windows from use over time
These maintenance issues are the owner's responsibility. Regular upkeep is key.
Manufacturer Defects
Manufacturer defects like improper sealing or unsafe wiring leading to damage are excluded. Policyholders must go through the manufacturer warranty process for repair coverage.
Regular Maintenance
The owner must perform regular maintenance like:
- Resealing the roof
- Checking battery fluid levels
- Replacing air filters
- Flushing pipes
- Checking tire tread
Damage resulting from neglected maintenance is not covered. Keep good records of maintenance work.
Improper Use
Using your RV outside its intended purpose can void coverage. For example:
- Living in it full-time when designed for recreation
- Overloading beyond weight capacity
- Towing over capacity
Make sure to use your RV as designed.
Previous Damage
Previous damage or issues you were aware of before purchasing coverage may be excluded. Insurers avoid covering pre-existing conditions.
Intentional Damage
Vandalism or damage you purposefully cause is not covered. This includes damages from gross negligence like burning down your RV. Your claim can be denied in cases of fraud.
Modifications you make that lead to damage, like incorrectrepairs or unapproved add-ons, may also void comprehensive claims related to those items.
Is Comprehensive Coverage Required?
In most states, comprehensive coverage is not required by law. However:
- If you finance or lease your RV, the lender will require you to carry comprehensive and collision.
- Even if not required, comprehensive is highly recommended to protect your investment from weather events, disasters, vandalism, and theft.
Purchasing a used RV without comprehensive risks expensive out-of-pocket repair costs.
Full-time RVers absolutely need comprehensive as their RV is their home. Damages that aren't covered by warranty or collision can be devastating.
While optional, comprehensive coverage provides peace of mind for the unpredictable. Make sure to review policy limits, deductibles, and exclusions when purchasing.
Comprehensive Coverage for Different RV Types
The cost and details of comprehensive coverage can vary across motorhomes, travel trailers, fifth wheels, and other RV types.
Motorhomes
Motorhome comprehensive policies are similar to auto insurance. They cover the engine and drivetrain in addition to living areas. Coverage includes:
- Collision with vehicles/objects
- Vandalism
- Theft
- Falling objects
- Weather events
- Fire
Full-timers rely on their motorhomes as a primary home, so higher liability limits are recommended. Comprehensive deductibles range from $500-$2,500.
Travel Trailers
Travel trailers are typically used seasonally or recreationally. Typical comprehensive coverage includes:
- Detached trailer (when parked)
- Components like appliances, slides, awnings
- Interior furnishings and belongings
Liability covers the tow vehicle. Storage coverage may apply when not in use. Standard deductibles run $250-$1,000.
Fifth Wheels
Fifth wheel campers connect to tow vehicles differently but have similar comprehensive coverage:
- Detached fifth wheel when unhitched
- Damage from vandalism, weather, fire, etc.
- Interior components and electronics
Like travel trailers, liability covers the tow vehicle. Average deductibles fall between $500-$1,500.
Personal property coverage can be added to protect belongings. It's recommended for full-timers.
Higher value RVs may need replacement cost coverage instead of depreciated market value. This guarantees repairs or full replacement cost reimbursement.
Cost of Comprehensive Coverage
Comprehensive premiums are calculated based on factors like:
- RV type - Class A, Class B, travel trailer etc.
- New vs used RV
- RV value
- Location/zipcode
- Claims history
- Driving history
- Selected deductible
Expect to pay more for new or expensive RVs. Poor credit or driving records also raise rates. Comprehensive costs more in areas prone to disasters or theft.
On average, expect to pay $500-$1,500 per year. Saving money on premiums requires careful comparison shopping between insurers. Raising your deductible also lowers the premium.
How to File a Comprehensive Claim
When an incident causes damage to your RV, here are the steps to take for filing a comprehensive claim:
1. Document the damage
Take detailed photos and videos showing the damage to your RV and its components. Provide evidence linking the damage to a covered peril like weather events or vandalism.
2. Report theft or vandalism
File a police report for damage from theft, riots, civil unrest, or vandalism. Provide a copy to your insurer.
3. Contact your insurance company
Call your agent or insurer's claims line as soon as possible. Provide details on what happened and the extent of damages. Ask about claim requirements.
4. Complete the claim filing paperwork
Provide your policy number, RV details, police reports, proof of loss/damage, and a detailed account of what happened. Sign any required forms.
5. Inspection
A claims adjuster will inspect your RV and write up an estimate for repairs. Point out all damages during inspection.
6. Settle the claim
Review the claim settlement offer. If paying a total loss, ask about comparable value RVs when negotiating the settlement amount.
7. Pay your deductible
Once settled, pay your comprehensive deductible. Your insurer will cover remaining repair costs.
8. Get repairs completed
Take your RV to a licensed repair shop, dealer, or body shop to get fixed. Provide the claim paperwork and settlement check.
9. Follow up on repairs
Check in on repairs and ensure work meets your satisfaction before pickup. Immediately notify your insurer about any issues.
Following this comprehensive claim process helps ensure you receive the RV insurance coverage you're entitled to.
Tips for Getting the Best Comprehensive Coverage
Follow these tips when shopping for a comprehensive policy to get optimal RV protection:
Compare multiple insurers
Get quotes from national direct insurers like Progressive and GEICO along with local independent agents. Compare based on premiums, customer service, claims satisfaction, discounts, and policy features.
Adjust deductibles
Raise your comprehensive deductible to lower the premium. Just ensure you have savings to cover the out-of-pocket cost in the event of a claim.
Review exclusions
Read the fine print on exclusions like wear/tear, previous damage, negligence, or improper RV use that can void claims. Avoid policies with overly restrictive exclusions.
Add endorsements
Attach endorsements like total loss replacement coverage, vacancy permission, or full-timer coverage to fill gaps that align with your needs.
Ask about discounts
Inquire about discounts you may qualify for like multi-policy, anti-theft devices, claim-free history, good student, and safety course completion.
Protect your RV
Reduce risks through preventative measures like garaging when possible, hail guards, tire covers, flood barriers, alarm systems, storage precautions, and more. This can lead to lower premiums.
Maintain good credit
Insurers view lower credit scores as higher risks. Maintaining excellent credit will provide some of the biggest savings on comprehensive premiums.
Review annually
Re-evaluate your comprehensive coverage at renewal time. Adjust limits or deductibles if needed to match changing RV value, risk factors, driving usage, or budget.
Report claims promptly
Don't delay reporting any comprehensive damages or theft. Timely claims help reduce further deterioration and demonstrate responsible ownership.
Keep documentation
Maintain repair records, police reports, inspection notes, maintenance logs, RV modifications or upgrades, warranty information, and any other documentation that could be relevant during future claims.
Conclusion
In summary, comprehensive coverage is an optional but highly recommended addition to any RV insurance policy. It works hand-in-hand with collision to fully protect motorhomes and travel trailers from damage.
Comprehensive covers your RV for perils like theft, vandalism, natural disasters, animal strikes, and more. It provides affordable protection for costly damages that could otherwise leave you paying for repairs out-of-pocket.
Review your comprehensive deductibles, exclusions, discounts, and policy limits closely when purchasing coverage. Take preventative measures to reduce risks and premiums. Maintaining excellent comprehensive protection gives RV owners peace of mind and financial security.
While not legally required, adding comprehensive is one of the smartest decisions an RV owner can make. It acts as a safety net, shielding you from the financial burdens of the unpredictable and unpreventable damages RVs can incur.
FAQs
Q: Do I need comprehensive coverage for my RV?
A: It depends, if you financed your RV lenders will request you to add comprehensive coverage along with collision coverage. In addition, comprehensive coverage protects your RV against non-collision damages.
Q: What does comprehensive coverage for RVs include?
A: Comprehensive coverage protects your RV against theft, vandalism, fire, and natural disasters.
Q: Can I choose the amount of coverage I need?
A: Absolutely, comprehensive coverage is optional, so you can choose the amount of coverage limit for your RV, just consider what class of RV are you going to cover, the age of your RV, and how good preserved your RV is.
Q: How do I choose the right insurance provider for my RV?
A: Check on Better Business Bureau, you will see real customer’s complaints, those complaints have been verified by BBB, so you can verify the amount of complaints with the amount of 5 stars they receive. Finally, you can check the National Association or Insurance Commissioners’s complaint score from any car insurer, if you see their score is above 1, it means that car insurer receive more complaints than what it should be normal.
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