MONDAY, JUNE 12, 2023
Recreational vehicles, like any other type of vehicle you may own, can suffer from all types of risks, including vandalism. Vandalism may or may not damage the working components of the RV. On the other hand, it may lead to significant damage to the entire vehicle. Depending on the causes and the overall result of the vandalism, you may be facing thousands of dollars’ worth of repairs (or even more). If you have the right RV insurance in place, you may have the financial help you need to overcome these losses.
When is Vandalism Covered?
Vandalism can occur to any RV owner. If you have comprehensive coverage in place for your motorhome or RV, the plan generally can provide financial compensation for the losses you suffer as a result of this type of incident. Keep in mind that vandalism is caused by a third party, not you as the owner or operator of the vehicle. It can include most types of damage done to the vehicle and no matter what brought on the loss. Generally, it is defined as a type of act against the vehicle, such as purposeful damage to it.
Comprehensive insurance also covers non-collision related damage to the vehicle from theft, falling objects and fires. It can also help in some types of storms and in other instances when the damage is brought on by accidental or unpreventable instances. Comprehensive insurance is a good investment for most RV owners because of the extensiveness of its protection. Choose a policy that offers enough protection to replace your vehicle if a significant incident occurs. Coverage up to the value of the RV is often considered wise.
Protecting Your RV
You’ll want to take any steps necessary to safeguard your recreational vehicle. Adding a security system or storing it out of sight can help to reduce the risk of vandalism. Nevertheless, when incidents like this occur, contact your agent to discuss the damage. In most situations, you’ll be able to file a claim for the damage you’ve suffered, get your RV or motorhome repaired and get on with your road trip. Comprehensive RV insurance should also include liability, collision and underinsured/uninsured motorist coverage in most cases. Is your plan fully protecting your investment?
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