You don’t realize the urgency of having the best RV insurance you can afford until things go sideways. This fact became clear to us on a cold night in Texas, when a mysterious cracking noise woke us up. We stayed there in silence for a few minutes, listening and wondering what it could be. The noise grew louder, almost like the crackling sound of hot flames leaping up from a roaring campfire. “FIRE!” I yelled while jumping out of bed. But when I ran into the living area, there was no orange glow or heat to be found. That’s when I saw the cause. The tempered glass on our dinette window was shattering into a mosaic of tiny pebbles, and falling all over the cushions and table.
RV Insurance Comes Through When You Need It
Most of us accept RV insurance as a necessity. Anything can happen when moving from place to place. But as my husband covered our window with cardboard and I cleaned up the mess, we were flummoxed. Our fifth-wheel had been stationary for a month, sheltered from the effects of potholes, bad drivers, and icy roads. At least we thought it was safe. At breakfast, we remembered seeing a campground worker wrestling with his weed whacker near our gravel site. At one point we thought we heard a rock hit our window, but shrugged it off.
Later, when the claims adjuster visited, he found a tiny hole in the glass. Upon inspection, he surmised that our fiver had been hit by a flying rock. When hot afternoon temperatures gave way to a steep, unexpected hard freeze at night, he deduced that the weakened window lost its integrity and shattered to pieces. We will never really know if that was the real cause. But what we do know is that getting the best RV insurance coverage we could afford is why we had a new window installed in less than 72 hours.
Your Lifestyle, Your RV Insurance
Insurance is something you never want to use. But the peace of mind that RV insurance can provide in a bad situation is priceless. Our shattered window was a minor incident, but now I know that if we ever had a bigger problem, our policy will help us get our life back in order. But just don’t ask me what kind of plan we have, because, after all, my RV is not your RV. I can’t guarantee that the coverage we selected for our RV is the best protection for yours. We all have different RV insurance needs, but we can learn how to shop for RV insurance from each other. Here are some of the things I considered when I was looking around for a policy.
