Wildfires and Insurance

[LaunchnRetrieve]

With all the wildfires going on and one very close to where I store my trailer ...
Does the insurance we have on our trailers tend to cover fire? Does it cover fire damage loss from a wilfire?
I know I have to get my policy and read it, but just curious what the trend seems to be.

[Community Alumni]

LaunchnRetrieve wrote:
I posted just to see if there was some commonality to our policies. Curiosity until I could get in touch with my agent. You're right, after considering the responses, this thread was useless.

Don't let it get you down. Lots of people struggle with actually answering the question at hand. Just like in your local community you have some neighbors that are very helpful and for some, not so much. Don't waste your time with those that aren't helpful.

When purchasing RV insurance you're typically purchasing Comprehensive and/or Collision insurance. Comprehensive is typically the insurance that covers Acts of God so if you have that then you should be covered in a wildfire.

[Huntindog]

LaunchnRetrieve wrote:
I posted just to see if there was some commonality to our policies. Curiosity until I could get in touch with my agent. You're right, after considering the responses, this thread was useless.

No, no. You just have not had a response from the right person.
I stayed at a motel 6 last night. You are covered!:B

[LaunchnRetrieve]

I posted just to see if there was some commonality to our policies. Curiosity until I could get in touch with my agent. You're right, after considering the responses, this thread was useless.

[Dixie_Bushcraft]

Might be time to drop the old receiver on the hitch ball and get it to a safer location.

That'd be my first choice for protecting it.

[TucsonJim]

Yes, you're covered. No reason to read your policy or call your agent. Trust me.

[DownTheAvenue]

You know, what anyone says here is immaterial. What your policy says is what matters. However, to make you feel better since you don't want to invest time to understand what you pay your insurance to cover, let me just sum it up for you. If your trailer is destroyed by a wildfire, your policy will buy you a new trailer, bigger and better than the one that was destroyed. And of course, you will need a bigger and better truck to tow it, so your insurance will buy that for you, too. Now, don't worry anymore. You are covered!

[nineoaks2004]

Seems to me that it Depends on the coverage you have selected:

[rbpru]

It would be hard to say, there are simply too many insurance companies and types of policy coverage.

I will bet for enough premium, it would be available. 🙂

[Lwiddis]

Call your insurance agent during their working hours over your RV worth tens of thousands of dollars....or ask on a forum? Hmmmmm....I'm thinking....ah...call your agent! Read your policy!

[colliehauler]

My policy does.

[Mandalay_Parr]

Seems to me you should be asking your insurance agent rather than us.

[downtheroad]

Hope so....minus your deductible.
Do you have "comprehensive" coverage?