RV Repairs with RV Insurance: When Are You Covered?

If you own an RV, you likely already know that insurance is a legal requirement in most states. At a minimum, RV drivers must carry liability coverage to protect against injury or property damage caused to others. But what about protecting your own RV? Many RV owners also carry insurance for collision damage, comprehensive incidents, and even coverage for uninsured motorists.

So when does RV insurance cover repair costs—and when doesn’t it?

Let’s take a closer look at how RV insurance works in relation to repairs, and how companies like Leisure Coachworks can help when damage occurs.

RV Collision Insurance

If you’re still getting used to backing up with a trailer and accidentally hit a tree, resulting in fender or rear-end damage, this is where RV collision insurance comes in. This type of coverage typically applies when you are at fault for damage to your own RV.

Collision insurance helps pay for repairs or replacement costs for your RV, but it comes with important limitations, such as:

Exclusions, which outline what is not covered (for example, intentional damage).
Policy limits, which determine the maximum amount the insurer will pay.
Deductibles, which refer to the amount you pay out-of-pocket before insurance coverage begins.

RV Comprehensive Coverage

Comprehensive coverage helps pay for repairs when the damage isn’t caused by a collision. This includes unexpected or unavoidable events that are typically out of your control. Examples of incidents often covered under a comprehensive policy include:

A bear breaks into your RV and causes damage
A tree branch falls and cracks your windshield
Acts of vandalism or attempted theft

While comprehensive insurance is optional, it may be required if you financed your RV.

RV Repair Insurance (Extended Service Plans)

Separate from standard insurance, some RV owners purchase what’s known as repair insurance or extended service plans. These are not true insurance policies but rather extended warranties that cover breakdowns due to mechanical failures. They are often offered by RV dealers or third-party providers.

Examples include:

Good Sam Extended Service Plan
America’s RV Warranty
RV Inspectors Insurance

These plans can provide support in cases of mechanical failure, even while traveling. Some include mobile repair services, so if you break down in a remote area, a service team may come to you for diagnostics or repair.

Coverage varies, but these plans often include components such as:

Mechanical systems
Fresh water and waste systems
Air conditioners
Slide-out mechanisms
Water heaters

Plans are available for a range of RV types, including:

Class A, B, and C motorhomes
Travel trailers and fifth wheels
Toy haulers
Both new and used RVs

It’s important to understand that these warranties are designed to assist with the cost of breakdowns, not routine maintenance or cosmetic repairs.

Choosing RV Insurance That Supports Repair Needs

When shopping for RV insurance beyond the basic liability coverage, it’s helpful to consider the following:

Does the policy include roadside or mobile repair assistance?

Some policies offer roadside help, such as towing or tire changes, but coverage levels vary. Find out whether the policy includes transportation to a repair facility and whether you can choose where to take your RV for service.

Are roof leaks covered?

Roof leaks are a common issue in RVs, but not all policies include them. Leaks caused by lack of maintenance, such as failing to reseal joints or winterize the RV, are often excluded. However, if a tree branch punctures the roof and causes water damage, a comprehensive policy may cover the repairs.

What are the exclusions?

Review your policy for exclusions. Many plans do not cover normal wear and tear, cosmetic damage, or upgrades. For example, replacing an awning may not be covered unless the damage was caused by a listed peril, such as a storm or vandalism.

How is the coverage value calculated?

There are two main types of coverage to consider:

Actual cash value policies pay out based on the depreciated value of your RV.
Replacement cost policies pay for a similar new RV, regardless of depreciation.

Understanding how claims are valued will help you set realistic expectations for what your insurance can cover.

How Leisure Coachworks Supports Insurance-Related RV Repairs

At Leisure Coachworks, we specialize in RV repair, maintenance, and remodeling services. While we do not sell RV insurance or extended service plans, we regularly work with RV owners to complete repairs covered under their policies.

Whether you’ve been involved in a collision, experienced storm damage, or need structural repairs related to an insurance claim, we can assist with:

RV body repairs
Water damage restoration
Roof and window repairs
Interior remodeling and rebuilds

We provide full support for insurance claims, including estimates, documentation, and coordination with adjusters. Our experienced team works closely with insurers and third-party warranty providers to help get your RV back on the road safely and efficiently.

Need Help with an RV Insurance Repair?

If your RV needs professional repairs and you’re filing an insurance claim, Leisure Coachworks is here to help. We’ll work with your insurer and ensure that repairs are done properly, whether the issue is cosmetic, mechanical, or structural.

Contact our team today to learn more or to schedule an estimate.