If you own an RV or travel trailer, you may be wondering if your insurance policy covers wind and storm damage. This is a great question! When it comes to RV insurance in Prince Frederick and Waldorf, MD and surrounding areas, there are a few key points to consider when determining what type of coverage is right for you. Carrie Polk Insurance Inc. is here to assist.
What Is Covered By RV Insurance?
Comprehensive Coverage
Comprehensive coverage is designed to cover any damage that is caused by something other than a collision—like theft, fire, hail, windstorms, and more. Depending on your specific policy, comprehensive coverage may help cover damage from windstorms such as broken windows or roof damage.
Your comprehensive coverage should also help pay for any repairs necessary after the storm passes. However, it’s important to note that comprehensive coverage does not provide protection against hurricane or flood damage; this type of coverage must be purchased separately.
Collision Coverage
Collision coverage helps pay for any damage caused by a collision between your RV and another vehicle or a stationary object like a fence post or building. This type of insurance can also help cover damage from storms as well as high winds if they cause your RV to collide with something else—such as trees being blown over into the road, causing an accident with another car. Collision coverage typically requires you to pay a deductible before the policy takes effect.
Contact Us Today
It’s important to understand what types of protection are included with each one so that you can determine which additional policies might be needed for complete protection from potential losses due to weather-related events. Contact Carrie Polk Insurance Inc. today so we can answer all your questions about RV insurance in Prince Frederick and Waldorf, MD!
