The insurance policy you can get for an RV depends on whether the RV is one full vehicle (e.g., a Class A) or a towed trailer. This also affects hurricane coverage, and if you’re a new RVer preparing to join RV/trailer life in Florida, you need to know what coverage will help you out should you get caught in a hurricane or tropical storm. Seek advice from a knowledgeable insurance agency like Morgan Insurance Services in the Tampa, FL area before embarking on your new adventure.
Understanding Hurricane Coverage for RVs
A full RV that’s one piece, like the aforementioned Class A, is treated differently from a towed 5th wheel, and a trailer taken out on the road is treated differently from a trailer parked on a permanent site. It should be noted here that towed travel trailers aren’t treated like separate vehicles, and you’ll need regular insurance covering the towing vehicle. Speak to your insurance agent about how to insure the items inside the trailer.
RVs serve as both your vehicle and your home, and the typical RV insurance is meant to cover both aspects. At a minimum, you need two forms of liability insurance that cover property damage and personal injury protection, but those cover only a limited number of scenarios. Neither of those will cover damage from a hurricane or tropical storm. For that, you’d need comprehensive coverage, which is typically paired with collision coverage.
If your RV does suffer damage from a hurricane or tropical storm, the reimbursement you can get depends on whether the damage was due to outside conditions or poor maintenance. If your RV had a damaged window that allowed rain to leak in, and you neglected to fix it for months before the hurricane hit, then water damage from rain entering through that window likely wouldn’t be covered. But if a projectile thrown by the winds from the hurricane broke the window, and then the rain caused water damage, that would be a different story.
While you prepare to start your new RV-based life, you’ll need to get your insurance as soon as possible. Contact an insurance company like Morgan Insurance Services in the Tampa, FL area to find out more about the coverage available for your particular RV living situation.
