Park Model /RVFlood Insurance

[WallynDiane]

We have a Kropf Park Model rv in Western NY. We are very near a stream. All of this wet weather has us concerned about flood damage. The insurance company who insures our unit doesn't cover or carry flood damage/insurance,

Others in our camp with trailers/5th wheels have the same concern.

With all the recent wet weather, what options do rv/park model owners have in purchasing flood insurance for their unit?

[zcookiemonstar]

You have to be careful when your policy says flood is covered. A lot of policies that cover FLOOD only cover flood from things like damaged pipes water heaters or sump pumps. Flood coverage from things like rivers are usually from a government insurance plan.

Your Park Model is a trailer and supposed to be movable. If you complain it is not movable and a stationary structure then you can be taxed is if you had a home on your property instead of a trailer.

[Etstorm]

It can be insured for flood as a mobile home under a flood,policy but must meet certain requirements.+ check with your agent.

[Dutch_12078]

WallynDiane wrote:

Dutch_12078 wrote:
Ask your insurance agent about "Comprehensive" coverage, sometimes known as “other than collision” coverage. This coverage can help pay for non-collision damage to your RV including damage from floods, storms, vandalism, theft, falling objects, and other disasters.

I have comprehensive coverage. It includes everything you mentioned except floods.

Try a different insurance company...

Here's one that spells it out:



What does RV insurance cover?

"Comprehensive"

"Also known as 'other than collision,' this coverage can help pay for non-collision damage to your RV. This includes damage from vandalism, theft, failing objects, fire, storms, floods and certain other natural disasters." (emphasis added)

[Guy_Roan]

We had a one year old 40 foot travel trailer on our lot in Key Largo and I had it insured with Progressive Insurance. It was insured for my purchase price for as long as I owned it.
One year after we had it Hurricane Irma sent a five foot surge of salt water through it and naturally totaled it. I had a check for the
full purchase price several weeks later.

I now have a replacement trailer there with the same coverage (the best money I have ever spent in my life! )

You might want to check with Progressive

Guy

[Grit_dog]

You can't even buy good flood insurance for a house. Don't be stupid and park your AreVee in a flood plain.

[WallynDiane]

jcsb wrote:
There have been several articles on the news about flood insurance.

Summary, only available thru a government agency and only is areas the the government has classified as flood planes.

Good luck.

I suspect that since it is a trailer, the insurance companies will say you should move it if it may flood.

Thanks. But Park models with a fixed wooden deck and an aluminum awning (plus the toungue is removed) is not easily moved. We are definately in a flood plain. I will investigate further on our options.

[jcsb]

There have been several articles on the news about flood insurance.

Summary, only available thru a government agency and only is areas the the government has classified as flood planes.

Good luck.

I suspect that since it is a trailer, the insurance companies will say you should move it if it may flood.

[WallynDiane]

Dutch_12078 wrote:
Ask your insurance agent about "Comprehensive" coverage, sometimes known as “other than collision” coverage. This coverage can help pay for non-collision damage to your RV including damage from floods, storms, vandalism, theft, falling objects, and other disasters.

I have comprehensive coverage. It includes everything you mentioned except floods.

[Dutch_12078]

Ask your insurance agent about "Comprehensive" coverage, sometimes known as “other than collision” coverage. This coverage can help pay for non-collision damage to your RV including damage from floods, storms, vandalism, theft, falling objects, and other disasters.

[Lwiddis]

Further, I've studied flood and wild fire issues. When private insurers won't cover you or stop covering you, it's serious and time to move.

[Lwiddis]

What private insurers will not cover might be available from your state government such as our California Fair Plan.