TUESDAY, NOVEMBER 29, 2022
Setting out in your RV this fall? You’re probably looking forward to a relaxing time on the road with your friends and family. However, it’s also important to keep an eye out for the unique safety risks your vehicle poses.
RVs are much more complex than the average vehicle. Often, they function as living spaces as well as means of transport. Insuring your RV means protecting it from a variety of unique risks, including fire risks.
RV fires can originate from more sources than just the engine or the gas tank. And when they break out, they can cause significant damage. RV insurance policies may cover fire risks from electrical damages or appliance problems. However, most policies specify that the RV owners will only receive coverage if the fire was deemed unintentional and unavoidable. 
If an RV owner doesn’t take the appropriate steps to reduce fire risks, the insurance company may deem them negligent. The insurer may then refuse to cover an insurance claim for the fire damages.
Don’t let this happen to you. Take the following steps to reduce fire risks.
- Perform maintenance on the vehicle before you leave on a trip. Pay special attention to your engine, gasoline and oil systems. These are some of the most common areas for vehicle fires to originate.
- Inspect the RV’s electrical and utility systems. This should include generators, cords and access points for outside sources of power.
- Check appliances throughout the RV. This should include TVs, showers and kitchen appliances. If you use a gas system to power appliances, make sure this system does not leak and is properly connected.
- Only use appliances such as stoves, microwaves and space heaters according to their recommended directions.
- Store flammable items away from sources of heat and flames. If you can cook in your RV, never place flammable items near the stove, microwave or oven. Many RVs have limited kitchen space, so always utilize proper storage.
- If you camp using your RV, build all fires a safe distance from the RV. Do not attempt to build fires on the RV’s surface, or near any attachments or awnings connected to the vehicle.
- Inspect your cargo for flammable items. Do not store dangerous items in areas that may cause them to ignite. Periodically check this cargo for signs of damage.
- Always keep a portable fire suppressant system in your RV.
- Keep your RV clean to prevent the buildup of dust or residue from kitchen contaminants. Dust buildup can often catch fire when exposed to sparks.
If you properly care for your RV, you will help reduce fire risks. With a lower fire risk, you’ll likely save on your RV insurance premiums.
Pan American Insurance can help you get a quote on a policy that meets your needs. Contact us today for a free RV insurance quote.
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