RV Insurance for Pre-Existing Damage

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If you're the proud owner of an RV, you know how important it is to protect your investment. RV insurance can provide peace of mind in case of accidents, theft, or other unforeseen events. But what happens when your RV has pre-existing damage? Can you still get insurance coverage? In this article, we'll explore what you need to know about RV insurance for pre-existing damage.

What is Pre-Existing Damage?

Pre-existing damage refers to any damage that your RV had before you purchased insurance coverage. This can include things like dents, scratches, or other cosmetic damage. It can also include more serious damage, such as structural damage or water damage.

Can You Get Insurance Coverage for Pre-Existing Damage?

In most cases, insurance companies will not provide coverage for pre-existing damage. This is because insurance is designed to cover unexpected events, not damage that was already present. However, there are some exceptions to this rule.

Exceptions to the Rule

Some insurance companies may offer coverage for pre-existing damage if it is minor and does not affect the overall safety or functionality of the RV. For example, if your RV has a small dent in the side, your insurance company may still provide coverage for other types of damage, such as theft or fire.

Another exception is if you purchase a policy that specifically covers pre-existing damage. These policies are not common, but they do exist. However, they may come with higher premiums or deductibles.

What to Do if Your RV Has Pre-Existing Damage

If your RV has pre-existing damage, it's important to be upfront with your insurance company. Failing to disclose pre-existing damage could result in your claim being denied or your policy being cancelled.

When you apply for insurance coverage, be sure to disclose any pre-existing damage to your insurance agent. They can help you determine whether your damage is covered or if you need to purchase additional coverage.

Tips for Keeping Your RV in Good Condition

The best way to avoid pre-existing damage is to take good care of your RV. Here are some tips for keeping your RV in good condition:

  • Regularly inspect your RV for any signs of damage or wear and tear.
  • Keep your RV clean and free of debris.
  • Store your RV in a covered area when not in use.
  • Use RV covers to protect your RV from the elements.
  • Follow the manufacturer's recommendations for maintenance and repairs.

By taking these steps, you can help prevent pre-existing damage and keep your RV in good condition for years to come.

Understanding Your Insurance Policy

It's important to understand your RV insurance policy, especially when it comes to pre-existing damage. Here are some key terms to be aware of:

  • Deductible: This is the amount you pay out of pocket before your insurance coverage kicks in. Be sure to choose a deductible that you can afford.
  • Premium: This is the amount you pay for your insurance coverage. Be sure to shop around and compare rates to get the best deal.
  • Coverage limits: This is the maximum amount your insurance company will pay out for a covered claim. Be sure to choose coverage limits that are appropriate for your needs.
  • Exclusions: These are situations or events that are not covered by your insurance policy. Be sure to read your policy carefully to understand what is and isn't covered.

Additional Coverage Options

In addition to standard RV insurance coverage, there are several other types of coverage you may want to consider:

  • Liability coverage: This covers damages or injuries you cause to others while using your RV. It's required by law in most states.
  • Personal property coverage: This covers your personal belongings inside the RV, such as furniture, electronics, and clothing.
  • Emergency expenses coverage: This covers expenses you incur if your RV is damaged or destroyed and you need temporary housing or transportation.


RV insurance is an important investment for any RV owner. While pre-existing damage may not be covered by most insurance policies, there are exceptions to the rule. If you have pre-existing damage, be sure to disclose it to your insurance agent and explore your options for coverage. And remember, the best way to avoid pre-existing damage is to take good care of your RV. With proper maintenance and care, you can enjoy your RV for years to come.