forced winter camping sucks!

Sorry to hear about your situation. Check out BCAA Insurance. That's what we have & they are supposed to be the best in BC. But compare apples to apples.

I don't know about Canada but I just reviewed my HO insurance this morning. I have replacement coverage on my appliances. That adds $20 to the premium. I have extra for computers and that is another $20. I also have protection for water damage for extra charge. You just have to specify what you want and be willing to pay for it

If all goes well: we should be back in our house Wednesday. Fortunately, it hasn't been that cold but still burning through the propane.

It's one thing to WANT to camp in your RV when you WANT to for RECREATION, relaxation, or vacation. Even drive way camping is a lot of fun when you WANT to do it.

Unfortunately, when you are in a position where you MUST, or HAVE TO do it, or you have no other option and you absolutely have no other choice, what was once a joy and pleasure, fun and exciting, can become a real burn-out .... real fast!

I've run into the problem, with a couple "hobbies" in my life, that turned into an "occupation." Once they became a full time experience and there was a need for dependency, I burned out very quick, lost the joy, the zeal, the fun, the excitement, and eventually changed, and never did it again!

I have heard many stories about folks in your exact position who were forced to use their camper for a home (for various reasons), when they were forced into a position they had no other choice. More than one has said, they sold their camper and never wanted to see another one again. Sad, but true!

I certainly hope you can find a way to keep the "joy" using your camper (even during this challenging time), and you still have that "joy" and "passion" for camping and your RV that you did before the fire!

Find a way to keep the 'camper' experience .... even in this cold weather, a positive experience. If you loose the "passion" because you burn out, because it just TOO MUCH right now, that will be a really sad thing.

I hope this experience doesn't change that for you.

Good luck, and visit a lot of family .... anything to get out of the camper as much as possible!

The way I read the original post, Greentreena, the OP was inferring that they had to camp out in the driveway, because of the oven fire smoking up the house.

It's in my house which is why the family is winter camping right now.

What was the brand and model number of the oven? I've never heard of or seen a RV double oven or even one that has a self-cleaning setting.

I have Canadian direct for the past 12 years. This is the first time I've ever had to call them. The main oven was in self clean mode and the lower oven caught fire. The wife and mother in law take meticulous care of the kitchen so I'd be very surprised if the oven was that dirty.

3oaks wrote:
A big problem with insurance is that the policy holders don't take time to read and understand their policies until they are facing a loss.

What I found when I was shopping for insurance was that companies will not allow a potential customer to read the proposed policy until after tbey buy it. So we cannot choose based on details of coverage.

Example: My home owner's insurance policy does not cover the cost to repair or replace a broken water line, but it will cover any water damage caused by broken pipe. It will not cover the cost of replacing a malfunctioning appliance but cover the house and contents if they are damaged by a fire caused by that appliance.

Good to know. What company do you have?

A big problem with insurance is that the policy holders don't take time to read and understand their policies until they are facing a loss.

Example: My home owner's insurance policy does not cover the cost to repair or replace a broken water line, but it will cover any water damage caused by broken pipe. It will not cover the cost of replacing a malfunctioning appliance but cover the house and contents if they are damaged by a fire caused by that appliance.