Natural disasters are an unfortunately common fixture for many recreational vehicle (RV) enthusiasts throughout the Lone Star State. Given these inherent risk levels, responsible RV owners likely understand the importance of adequate insurance. But, understanding how natural disasters could impact policies is also necessary to ensure coverage remains sufficient.

What RV Coverage Do I Need for Natural Disasters?

RV insurance policies can often be customized and tailored to suit your unique circumstances, including the details of your vehicle, location, travel habits and budget. Most RV owners can find value in comprehensive coverage to address natural disasters within your insurance. This component, which may be familiar if you have standard auto insurance for your everyday vehicle, can couple with collision coverage to provide financial protection for the structural integrity and equipment of your RV.

Comprehensive coverage can often help pay for losses arising from the following:

• Fires
• Theft
• Burglary
• Hail
• Windstorms
• Floods
• Vandalism
• Falling objects (e.g., tree limbs and rocks)

Given the inclusion of hail, windstorms, floods and fires, comprehensive coverage can provide a versatile layer of defense against losses arising from natural disasters. However, you should be aware of various complexities within your policy. For example, while comprehensive coverage can include floods as a covered peril, it may not cover water damage that could’ve been prevented, such as leaving a window open during heavy rains.

How Can a Natural Disaster Impact My Coverage?

Like many facets of insurance, carriers must constantly reassess how natural disasters and severe weather may impact risk levels. As hurricanes and other natural disasters continue to inflict record-setting losses on property owners in recent years, insurers have had to increase rates or even exit specific markets. As such, you should be aware that natural disasters in your area, even if you do not file a claim against your policy, could lead to increased rates or fewer coverage options.

We’re Here to Help

At AAAA Insurance, we’re ready to assist you in identifying and securing the right RV coverage for natural disasters. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.