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warranty vs insurance

RV Warranty or RV Insurance? Which Do You Need?

February 7, 2022

A recent study by Knott Laboratory found that a 35-mph crosswind can put more than 3,400 pounds of force on the side of a large trailer. Given the similar size of RVs, what would happen if yours was tipped by the wind? If you’re not familiar with what an RV warranty entails, you may be wondering how it differs from insurance. Would the damages be covered by your warranty or insurance? Let’s find out.

Coverage

Both RV warranties and insurance offer coverage that will help with any damages or repairs. The purpose of both of these policies is to make sure that your vehicle is in proper working order. Well-kept vehicles mitigate accidents, which keeps you and other drivers safe while on the road.

Warranty

A warranty is typically issued from your vehicle’s manufacturer. Warranties cover manufacturing flaws, defects, or other errors that compromise your vehicle. These policies often come with an end date that correlates with a certain age or mileage on your vehicle after purchase. However, the best RV warranty companies offer RV extended warranty programs. These programs will give you more time with your manufacturer’s warranty.

In the event that your RV was tipped over by the wind, it’s unlikely that the damages would be covered by your vehicle’s warranty. Unless you were able to prove that your RV was already unbalanced due to a manufacturing defect, therefore allowing the wind to topple the vehicle, your warranty may not offer assistance.

Insurance

RV insurance is legally required in most states. The requirements of this insurance vary by the type of RV you own, the categories of which are generally detailed by your insurance provider. Like any vehicle insurance, a policy for your RV will cover many types of human error. Whether you run over a curb and damage your RV’s powertrain, or you get rear-ended on the thruway, your insurance policy will determine how much you have to pay out-of-pocket.

Just as with other types of insurance, additional coverage can be added to your RV’s policy. Given the size and statistics related to RVs, it might be a good idea to add coverage for acts of god, like extreme wind. As long as your policy states it will cover damages related to these events, you can travel confidently.

The bottom line is that both an RV warranty and RV insurance are a must for recreational vehicle owners. Although you likely already have both types of coverage, it’s important to know when your manufacturer’s warranty ends. If you take frequent trips with your RV, extended warranty programs might be a great option to consider. For more information about RV warranties, don’t hesitate to contact our team today

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