In many ways, an RV insurance policy in Duluth, MN is just like a home insurance policy. If you’re a full-time RVer, this is important. You want to make sure that your home-on-wheels have the same protections you would have covered in a conventional home.
One of the ways in which your RV insurance is a lot like your home insurance is that mold and water damage are covered. These sorts of damages are covered under your comprehensive policy, which will cover the damages if your RV is damaged somehow, not related to an accident.
Note that your RV insurer will have the same expectations as a home insurer. That is, mold and water damage may be covered if they result from a storm. But they won’t be covered if they come from simple neglect. If you have a leaky pipe and you decide to let it keep leaking, then your insurer might decide that that’s your problem, not theirs.
But against all covered hazards, comprehensive insurance will protect your RV against many of the same problems you would face in a conventional home that doesn’t have any wheels on it.
Of course, none of this is true if you carry the minimum insurance on your RV. The minimum required insurance is strict liability, just like with auto insurance. You need full coverage if you want to be protected against water damage.
If you have any questions or you’re looking to get covered in Duluth, MN, call Deluxe Insurance Group or stop by our website to get in touch and see about getting a good deal on a great policy.