Niles, OH, recreational vehicle owners can benefit from installing RV awnings. This equipment creates shade, cooling down both the RV and its surroundings. Some awnings are also capable of shedding water, making it easier to sit outdoors in light rain.
Insurance Coverage
But is your awning covered by RV insurance? Your policy won’t cover damage to awnings if you only have basic liability coverage. On the other hand, collision and comprehensive policies often protect this equipment. Collision insurance may cover awning damage in a crash.
Comprehensive RV coverage can protect your investment in an awning under a variety of other circumstances. It generally covers damage caused by wind, fire, theft, hail, and vandalism. Remember that deductibles normally apply to both comprehensive and collision policies.
Accessory Coverage
An insurer may consider awnings and other installed items to be recreational vehicle “accessories.” They are treated differently from movable belongings inside the RV. Consequently, it’s important to discuss these items with your agent and make sure they are added to the vehicle’s policy.
Proper Upkeep
An RV owner is responsible for using and maintaining the awning properly. Gradual decay caused by exposure to rain, sunlight, or other natural elements won’t be covered under a conventional RV insurance policy.
Nonetheless, certain carriers can provide optional insurance add-ons that cover this type of deterioration. Ask your agent for details. Awnings may also come with warranties, but they are more likely to cover manufacturing defects than gradual wear and tear.
If you’re looking for a policy that covers your recreational vehicle and its awning, talk to the professionals at Ruddy Insurance Group in Niles, OH. We’ll help you find coverage that meets your needs without adding unnecessary extras. You can reach Ruddy Insurance Group by calling 330-652-0202 during weekday business hours.
