Common RV Insurance Claims and How to Avoid Them

Recreational vehicle (RV) owners face risks that can lead to costly insurance claims. Knowing about some of the most common incidents can help you avoid them and keep your travels smooth.

Tips for Avoiding Common RV Insurance Claims

Many RV insurance claims stem from preventable situations. The following are some of the most common:

• Accidents while backing up—RVs have large blind spots, making it easy to hit objects or other vehicles. Use a spotter or install a backup camera to improve visibility.

• Tire blowouts—Underinflated or worn tires are a leading cause of blowouts. Check tire pressure regularly and inspect for cracks or uneven wear before every trip.

• Roof and awning damage—Low-hanging branches and bad weather can damage your RV’s roof or awning. Park away from trees and retract awnings during storms or high winds.

• Theft and vandalism—RVs can be targets for theft, especially when parked in remote or unsecured areas. Lock all doors and windows and consider installing an alarm or GPS tracker.

• Water damage—Leaks from the roof, windows or plumbing can lead to mold and structural issues. Inspect seals and caulking regularly and repair any cracks immediately.

• Collisions with wildlife—Encounters with animals, especially at night, can cause severe damage. Drive cautiously in rural areas and use high beams when safe to spot animals early.

• Fire hazards—Faulty wiring, propane leaks or unattended cooking can lead to fires. To avoid fires, test smoke detectors, check propane lines and never leave cooking unattended. Keep a fire extinguisher in your vehicle as well to limit damage if a fire does break out.

• Interior damage during travel—Loose items can shift and break while driving. Secure all belongings and close cabinets before hitting the road.

Staying alert and maintaining your vehicle can help prevent accidents and having to file a claim. Review your RV insurance policy regularly to make sure you’re appropriately covered.

Find an Agent Near You

If you’re an RV owner in Soledad, CA, reach out to Leon Insurance and Tax Services. Our agents can help you customize a policy. Contact us today to learn more.

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.