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.