RV insurance is an important part of safety. To protect your RV you will want to be certain that you maintain adequate insurance on many levels. This includes accessories coverage, which protects your RV’s:
Why bother purchasing insurance for these items? While this may seem like small potatoes now, these items are frequently damaged. A satellite antenna may become damaged during a storm. An awning may also be damaged in hail or during an intense windstorm. Attached accessories can become damaged during travel. All of this may happen during a single storm, or multiple times.
An accident may also result in damage to your RV’s accessories. Another way that accessories may become damaged is through theft or vandalism. While rarer, it is not uncommon for accessories to become the victims of theft. The more luxurious your accessories, the more at risk you are for theft.
Thus, it pays to value your accessories, photograph them, and subsequently insure them. Not all accessories are liable to insurance. KADAIR Insurance works diligently to provide you with a fair quote on all RV accessories, so that you can get the most insurance and best policy for your RV accessories. You owe it to yourself to protect the valuable items that you invest in.
Many insurance policies do not cover awnings, antennas, satellite dishes and other attached accessories. KADAIR Insurance offers special coverage for these accessories, as they are very expensive, and typically are the most common accessories damaged on an RV. You may also be able to register for a warranty for some of these items, if you are not able to acquire insurance accessories specifically.
If you have a dish, you may be able to purchase insurance or a warranty through your dish supplier. Some specialty accessories may provide insurance or a one to three year warranty under certain conditions. You may also be able to purchase special insurance coverage through a separate homeowner’s insurance home policy.
There are always certain conditions or exceptions to the rule. If you are truly committed to seeking the best for your possessions, and taking good care of your belongins, you can usually find a way to compromise between your ideal goals, and the best possible scenario. There may be equipment that you can purchase that you can bring inside to protect it from damage. Again, talk to your agent to determine your best course of action if it looks like you may not be able to insure all of the items that you initially hope to insure via your RV insurance policy.
The odds are good you can come to an agreement or collaboration with your policy.