Does RV Insurance Cover Water Damage? A Guide to Protecting Your RV

You don't let a little rain stop you from your RV adventures, but what happens if you end up with water damage? It's a common concern for RVers and knowing if your insurance policy covers it can help you stay protected and keep your days sunny (even if it isn't outside).

What is water damage?

Water damage in an RV can result from leaks, flooding, or moisture buildup. It can cause rotting wood, mold, warped floors, or electrical problems. Some damage is obvious, while other issues, like leaks, may build up over time.

Common causes of water damage in RVs

RVs are particularly susceptible to water damage due to their unique design and exposure to the elements. Some of the most common causes include:

• Roof Leaks: The roof of your RV is constantly exposed to rain, snow, and sunlight, all of which can cause your RV's seals to deteriorate over time.
• Window and Door Leaks: If your windows and doors aren't sealed properly, water can get into the interior while driving through wet conditions or during a heavy rain.
• Plumbing Issues: If your RV's plumbing system has a leak or broken pipes or just isn't connected the right way, you can end up with internal water damage.
• Condensation: You know the moisture that accumulates inside your RV. This stuff can cause mold, mildew growth, and other issues.
• Flooding: If you're stuck in heavy rains or in an area prone to floods, water can make its way into your RV.

Does RV insurance cover water damage?

It depends! Your RV policy type and the circumstances surrounding the water damage will all impact whether it's covered or not. "RV insurance can cover water damage if it's the direct result of a covered loss. Most likely with either comprehensive or collision coverage," said Matt, a Product Manager at Progressive.

Reasons your RV's damages may or may not be covered

Sudden and accidental water damage: Progressive, and most other RV insurance policies, will likely cover this type of damage. For example, if a tree branch punctures your roof during a storm and water gets in, your RV would likely be covered.

When it comes to gradual water damage, though, not every situation may be covered. This would be a case where the damage was caused by maintenance, wear, and tear, or neglect.

It's important that the RV owner is aware that there is a responsibility on the owner to take preventative actions where possible to minimize further damage from occurring," said Matt, a Product Manager at Progressive.

What types of damage are covered?

Water damage can go beyond the pipes or leaking seals themselves. When water seeps in, it can also damage other parts of your RV, making them unusable. With comprehensive coverage from Progressive, generally, they'll help you repair the following when you file a covered claim:

• Repairs to the roof, walls, floors, and other structural components damaged by sudden water intrusion.
• Replacement of damaged personal belongings inside your RV, such as furniture, electronics, and clothing.
• Mold remediation and cleaning, if the mold results from a covered water damage event.

What else should you be aware of?

Keeping in mind these points will help you prevent or prepare RV water damage.

• Policy limits and deductibles: Make sure your RV insurance policy has the right limits and the right deductible for the size, structure, and usage of your RV. Knowing this info and making sure it's correct will help you if you end up having water damage down the line.
• Optional coverages: See what additional coverages you can add to protect your RV in case of damage. Things like roadside assistance and personal effects coverage for your belongings can all be helpful during a water damage claim.

How can you prevent water damage?

While some damage is unavoidable, you can minimize risks by inspecting for leaks or mold, resealing your RV's roof and windows, ensuring proper ventilation, maintaining plumbing systems, and avoiding flood-prone areas.

Water damage can be a costly and frustrating problem for RV owners, but with comprehensive coverage like the one Progressive offers, you can feel confident you're protected for a variety of scenarios. And don't forget, a lot of water damage can be prevented or managed by keeping track of your maintenance.

Progressive Casualty Ins. Co. & Affiliates. Prices, products, and providers will vary if you shop online, by phone, by mobile device, or using an agent or broker. Coverage subject to policy terms and deductible payment, not available in all states and only available for RVs of five model years old or less.

Sponsored by Progressive