Does RV insurance cover awning damage?

How does RV insurance cover awning damage?

Damage to your RV's awning from a covered peril may be covered by your RV insurance policy, regardless of fault, if you carry RV comprehensive and collision coverage.

Comprehensive coverage may pay to repair or replace a damaged awning, minus your deductible, in the following scenarios:

• Vandalism and theft
• Fire
• Collisions with a deer or any other animal
• Hail, windstorms, and other weather-related events

Collision coverage can pay to repair or replace a damaged awning, minus your deductible, in these instances:

• Collisions with another vehicle
• Collisions with objects, such as trees, fences, guardrails, or overhanging ledges

If your awning is damaged in an accident with another vehicle, and the other motorist is at fault, their auto liability coverage may cover the damage, up to their coverage limit.

Does RV insurance cover a broken awning?

If a covered peril caused the broken awning, your RV policy may pay to repair or replace the awning, assuming you carry the proper coverage. Find out additional information about RV insurance coverages and how the process works for filing an RV insurance claim.

When is RV awning damage not covered by insurance?

If the awning on your motorhome or travel trailer is damaged due to your negligence, it likely won't be covered by a standard RV policy. For instance, if your awning degrades due to long-term sun exposure, that could be considered wear and tear and may not be covered. However, some providers, including Progressive, offer special endorsements that may cover your RV's roof or awning in cases of wear and tear. These types of coverage endorsements may not be available, especially if you live in your RV full-time.

Does RV insurance cover roof leaks?

If your RV's roof leak is the result of severe weather, you may be covered for RV roof damage if you can prove the leak resulted from the incident. However, a leak that develops due to your negligence often won't be covered. Water damage to your RV is often a result of caulking or sealants naturally degrading over time, and RV policies generally won't cover delamination or wear and tear.

Tips for RV roof leak detection

Given that your RV's roof is constantly exposed to the weather, the elements may cause damage over time. Performing these regular maintenance tips can help keep your RV's roof in good condition:

• Examine the seams or areas where caulking or sealant has been applied
• Clean your RV's roof seasonally and follow the manufacturer's instructions about which cleaning products to use
• Check around your RV's roof vents for leaking
• Check around attachment points for extra gear, like bike racks and solar panels
• Inspect the inside of your RV for signs of interior water damage

Protect against awning and roof damage with RV insurance