Boat insurance policies often require owners to move their vessels to safer ground if a major storm is approaching. Since RVs serve as homes on wheels, many people assume RV insurance in New York works the same way. However, evacuation requirements for RV owners differ from those for boat coverage.
Are RV Owners Required to Evacuate?
Most RV insurance policies do not require you to evacuate when a storm or hazardous weather event is predicted. Requirements can vary by insurer, so it is always best to confirm the details with an agent at AW Burchell Agency Inc.
When Evacuation Expenses May Be Covered
Some RV insurance policies include limited coverage for evacuation costs. This coverage typically applies only when a civil authority issues a mandatory evacuation order. When applicable, the policy may reimburse expenses, such as fuel costs, up to a specific amount, often around $100–$500.
This type of coverage does not apply to general weather alerts or storm predictions. It only applies when evacuation is legally required.
How Policies Handle RV Damage
Unlike boat insurance, which may emphasize preventing total loss by requiring relocation, RV insurance focuses primarily on covering damage after it occurs. RVs are not subject to the same risks as watercraft, so policies generally do not expect owners to preemptively move the vehicle.
Before severe weather approaches, it is important to understand what your policy covers and ensure that both the RV and its contents are protected. Speaking with an agent at AW Burchell Agency Inc. can help you confirm your coverage
