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Recreational vehicles help you enjoy life, whether you’re heading cross-country to see the sights or enjoying the summer at a local campground. However, RV owners may have to deal with natural disasters like floods. This is particularly true if your RV is parked beside your home and you live in a flood-prone area.
Legal Requirements
Most states don’t require flood insurance for recreational vehicles. It’s available as comprehensive coverage for owners, but it is always an option. You should consider several things to determine if you need flood insurance for your RV.
Flood Risk
Consider your flood risk. Keep in mind that water damage can also happen from catastrophic storms and may be covered by comprehensive coverage. Look at your current location. For example, downtown Austin, TX has a moderate risk of flooding, especially for people who live in the southern area. If you live in an area likely to experience floods, you need flood insurance for your RV.
Hurricane Prone Areas
Some areas aren’t prone to flooding but often experience the aftermath of hurricanes, such as heavy rain and wind, which can lead to severe water damage. Individuals who live in areas prone to hurricanes or their aftermath should ask an experienced agent at The Policy Source to determine if they need flood insurance.
Policy Specifics
Always speak with a representative and read the fine print to ensure your RV is covered. Some policies specifically exclude floods and only cover hurricane damage for named storms. You should consider the risks in your immediate area and ask an agent which policy is best for you.
Here at The Policy Source, we understand you want to ensure the care of your RV. Our customer service representatives will work with you to understand your concerns. Contact us today to learn more. We currently serve the Austin, TX area.