Do most RV insurance policies cover damage done to an electric awning? I'm referring to a comprehensive/collision type insurance policy or an extended service plan such as Good Sams? Our RV repairman was surprised when we told him neither policy will cover our awning, which was damaged in a wind storm. Anyone out there with a similar problem?

I can tell you from experience that the awning is covered by insurance if the damage is due to a collision (with a tree). From a wind storm or other natural disaster probably not

Collision is only due to the movement of a vehicle. A vehicle into yours or yours into another, one of the vehicles can be a parked vehicle. Comprehensive is damage from an incident other than collision, like a falling tree, fire, vandalism, shopping carts or hail.

Speaking from experience, I had an awning destroyed by the wind in a RV park and Good Sam, (National General,) replace mine at no cost to me. Now, I must say that was 6 years ago.

If you have a good RV policy it should provide replacement cost coverage on attached equipment like an awning that is damaged during a covered loss. Windstorm is generally a covered loss.Keith - Good Sam Insurance Agency

Awning Damage | Good Sam Community

10 Replies

pauldub
Explorer
Oct 29, 2018
My car was damaged by limbs that came off a tree in a wind storm and my comprehensive coverage paid out without any difficulty.
Terryallan
Explorer II
Oct 26, 2018
Allstate covers my awning. But it has it's own deductible
Wills6_4_Hemi
Explorer
Oct 25, 2018
Progressive has covered mine before, mine was destroyed and had full replacement no cost to me.
wski
Explorer
Oct 25, 2018
Progressive covered our awning that was damaged in a wind storm; however, this was a few years ago.
Hondavalk
Explorer II
Oct 25, 2018
KPetrick wrote:
If you have a good RV policy it should provide replacement cost coverage on attached equipment like an awning that is damaged during a covered loss. Windstorm is generally a covered loss.

Keith - Good Sam Insurance Agency

X2, Had a friend that insurance covered wind damage also
KPetrick
Explorer
Oct 25, 2018
If you have a good RV policy it should provide replacement cost coverage on attached equipment like an awning that is damaged during a covered loss. Windstorm is generally a covered loss.

Keith - Good Sam Insurance Agency
zigzagrv
Explorer
Oct 25, 2018
Speaking from experience, I had an awning destroyed by the wind in a RV park and Good Sam, (National General,) replace mine at no cost to me. Now, I must say that was 6 years ago.
bobndot
Explorer II
Oct 25, 2018
Collision is only due to the movement of a vehicle. A vehicle into yours or yours into another, one of the vehicles can be a parked vehicle.
Comprehensive is damage from an incident other than collision, like a falling tree, fire, vandalism, shopping carts or hail.
Imbriaco
Explorer
Oct 25, 2018
I can tell you from experience that the awning is covered by insurance if the damage is due to a collision (with a tree). From a wind storm or other natural disaster probably not
donn0128
Explorer II
Oct 25, 2018
Nope. Most will not cover it.

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Awning Damage

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