Does RV Insurance Cover Fire Damage?

No one plans for their RV catching fire. However, this is something that can occur. An RV can catch fire if it is involved in a car accident if it gets caught in a forest fire, if embers from a nearby fire ignite the RV or if a fire breaks out in the kitchen of the RV. If you have RV insurance, you may know that certain things are covered by RV insurance and other things are not. At Southwest Insurance Center, serving the greater Austin, TX area, we believe it is important that every RV owner know what is and what is not covered by their insurance policy. Here is what you need to know about fire damage. 

The type of RV coverage you have, and the reason for the fire, determine whether your insurance policy covers fire damage. If the fire was caused by an accident, the fire would be covered if you have collision insurance on your RV. If the fire were caused by vandalism or cooking in your RV, comprehensive RV insurance would cover the fire damage. As such, in order for all forms of fire damage to be covered, you will want to make sure you carry full coverage RV insurance, including collision and comprehensive coverage to fully protect your RV. 

If you are wondering if your RV insurance policy covers fire damage, bring it to Southwest Insurance Center, serving the greater Austin, TX area. We would be happy to read over your current RV insurance policy with you and discuss what is and is not covered. If needed, we can help you find a new RV insurance policy that helps to fully cover and protect your RV. 

Traveling With Dogs? RV Insurance May Be Necessary

Traveling with your pets in Austin, TX is a lot more fun if you have an RV. However, your RV may be damaged by your pet or your cat or dog buddy may suffer from an injury while driving. If you and your pets travel regularly in your RV, contact us at Southwest Insurance Center to get the coverage you need to protect them.

Pet Coverage Was Once An Impossibility

In the past, most RV insurance policies did not cover pets. That’s because they didn’t consider them an important part of the RV. However, a large number of people have demanded an increase in this type of coverage. As a result, many companies have been forced to start offering pet coverage.

Some Policies Now Cover Pet Injuries

The high demand for policy expansion has caused many RV insurance providers to add coverage for pets. These policies usually cover injuries caused to your pets while on the road. In most cases, pet injury coverage does not require a deductible. This makes is a great addition for people who love traveling with their best cat or dog friends.

Pet Damage May Not Be Covered

One problem you might note when buying this type of policy is a lack of pet damage coverage. That’s because pet damage is often considered a problem that you caused, rather than one that occurred independently of you. Even if you didn’t mean for damage to occur or had no malice, many policies don’t pay for damage caused by pets or even other types of animal invasions, such as rats.

Don’t Neglect Your RV Pet Needs

So if you plan on traveling around the Austin, TX in an RV with pets, please contact us at Southwest Insurance Center today. We will work hard to find a coverage type that works for you and will provide a high-quality and comprehensive insurance that fits your needs.