Top 5 RV Insurance Claims and How to Avoid Them

As RV enthusiasts, we love the freedom of the open road and the adventures of owning a recreational vehicle.

However, with this freedom also comes the responsibility of protecting your RV.

Insurance brokers understand the importance of having comprehensive RV insurance, including motor home insurance, to safeguard your investment.

In this blog, we’ll explore the top five RV insurance claims and offer tips on how to avoid them.

Fires Caused by Propane Leaks

One of the most common claims RV owners face involves fires, particularly those caused by propane leaks around the refrigerator.

Numerous claims are filed each year due to leaking propane lines that lead to dangerous fires, especially when the refrigerator is in LP gas mode.

✅How to Avoid It

To prevent this hazardous situation, have your RV’s propane system inspected annually by a qualified technician.

As an RV owner, you can periodically check for leaks using an approved LP leak detector solution. Regular maintenance is key to ensuring safety and peace of mind.

Collisions with Gas Station Overhangs

Another frequent claim involves RVs colliding with gas station overhangs or low bridges. Many RVers forget their vehicle’s height, leading to costly damage.

✅How to Avoid It

Measure your RV’s height from the ground to the highest point, typically the air conditioner, and add an extra six inches for safety.

Keep this information visible inside your vehicle, and always check the height before entering areas with potential clearance issues.

Plan your routes carefully to opt for fuel stations with ample overhead clearance and avoid low bridges.

Damage from Not Retracting Awnings and Steps

Claims related to awnings and retractable steps are also prevalent. Damage can occur if these features are not properly secured before travel or left out during bad weather.

✅How to Avoid It

Implement a pre-trip checklist to ensure that awnings and steps are retracted before hitting the road. Additionally, always perform a final walk-around inspection of your RV to catch any oversights. Stow them securely against the RV for awnings and ensure all locks are engaged, especially before inclement weather.

Tire Blowouts

Tire blowouts can cause significant damage and are often caused by under-inflation, overloading, or aging tires. This issue can put your RV at risk and jeopardize your safety on the road.

✅How to Avoid It

Regularly check your tires for proper inflation and wear. Weigh your RV when fully loaded to ensure you’re not exceeding tire load ratings. Replace tires that are over seven years old, regardless of their appearance. Investing in a quality tire pressure gauge can help you maintain optimal tire conditions, reducing the likelihood of blowouts.

Rodent Infestation

RVs can become attractive homes for rodents during storage. These rodents may chew through wiring and insulation, causing extensive damage.

✅How to Avoid It

Prevent rodent entry by inspecting your RV for gaps or holes and sealing them with silicone or foam. Remove all food and clean your RV thoroughly before storage. Parking on solid surfaces can also deter rodents. Additionally, consider using natural deterrents like mothballs or ultrasonic pest controllers to keep these unwanted guests at bay.

Conclusion

Understanding the common claims associated with RV ownership can help you take proactive steps to avoid them.

Reputable insurance brokers offer comprehensive RV and motor home insurance are essential for every RV owner.

Not only does it protect your investment, but it also provides peace of mind as you embark on your adventures.