Traveling throughout the United States is a memorable experience, particularly when done on a road trip. However, before hitting the road and filling up your gas tank, it’s essential to understand the extent and limits of your RV insurance policy. The team at Berks County Insurance in Reading, PA is ready to guide you through the details, ensuring you have the right coverage for all your journeys.

Keeping Your RV Maintenance Schedule Up to Date

It’s important to note that standard RV insurance policies do not cover "general wear and tear," particularly if it results from a failure to adhere to a regular maintenance schedule. Such deterioration often happens when the RV is used primarily as a living space during an extended road trip. Also, any mold damage is excluded from the insurance coverage as regular cleanings could have preemptively prevented it. Consider extending your liability coverage if you intend to use your RV as a full-time residence.

Addressing Storage Collision Incidents

Some RV owners opt not to maintain full RV insurance coverage during winter, switching to a storage-only policy. While this protects against theft, vandalism, and water damage, it does not cover damage resulting from collisions with other vehicles in the storage facility. Bear in mind that moving vehicles like other RVs, trucks, and campers are a frequent sight in these storage facilities. Therefore, maintaining your full RV insurance coverage can save you from expensive repair costs following a collision.

Preparing for Natural Disaster Damage

Standard RV insurance does not cover damage caused by natural disasters like floods or fires. If you plan to travel to areas prone to such events, it may be wise to consider supplementing your existing coverage. A comprehensive insurance policy will cover any damage from severe storms or natural disasters.

Navigating the road with the security of robust RV insurance can prove to be a lifesaver, especially in cases of accidents or theft. Let Berks County Insurance in Reading, PA help clarify what your policy covers and what it doesn’t. Call and schedule an appointment today. We’re here to help you drive with confidence.