Top 7 Camper Claims
Camper or RV insurance is a must-have for people with travel trailers or motor homes, because insurable incidents don’t leave you alone just because you’re on vacation.
Take a look at the top 7 claims experienced by camper and RV owners, and you’ll see just how necessary insurance is whether you are on—or off—the road.
- Fire Damage
Gas leaks and unattended indoor cooking sessions are often to blame for the fire damage claimed by RV owners. To avoid them yourself:
- Use leak detector solution to check for gas leaks.
- Don’t leave cooking food unattended.
- Do not use a grill inside the camper.
- Follow manufacturer’s instructions when using portable heating devices.
- Roof Damage
Claiming damages that occur after driving into overhangs, signs and bridges is a common activity for RV owners. To avoid this:
- Know the height of your RV from the ground to its highest point.
- Always check clearances before driving underneath something.
- Remove antennas before driving if they extend higher than the highest point.
- Damages after a Tire Blowout
Tire blowouts can be easy to prevent:
- Keep tires properly inflated.
- Check tires at least weekly when the camper is in use.
- Keep weight appropriate to limits on the tires.
- Keep tires rotated and replaced when tread is low or tires cracked.
- Body Damage
Body damage can occur to any RV owner, but it can be easy to avoid if you::
- Take a course in learning how to back in, how to use your mirrors, and understanding your blind spots.
- Keep the RV or camper parked level and wheels secured so that it can’t roll.
- Damage to Awnings and Steps
Always retract steps and awnings before moving the RV or camper—even if you aren’t moving it far.
An unused RV makes a nice home for rodents and bugs. To lessen this risk:
- Drive the RV occasionally when not vacationing.
- Keep food and liquids out of the camper when stored.
- Keep mouse and bug traps in the camper and replace them as often as necessary.
When travelling around from campsite to campsite, your RV can easily become the target of thieves, but you can reduce risk by:
- Keeping your RV locked whenever it is unattended.
- Keeping expensive items such as personal electronics out of view from the outside.