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Does RV Insurance Cover Water Damage?

Water damage is a common problem for recreational vehicle owners, but not every insurance policy covers it. There are many different types of policies and each can have exclusions based on the insurer with whom you work.

Depending on what your RV insurance policy covers, you might receive, full, some, or no insurance coverage for water damage.

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How coverage types factor into water damage coverage

Here are some common policy types and how they cover water damage to your RV.


Comprehensive RV insurance covers almost any damage done to your vehicle by non-accidents. Things like fire, hail, and water damage are all covered under a comprehensive coverage policy. It’s still worth checking with your insurer for exclusions.


Collision coverage is all about protecting your vehicle from damage caused by accidents. Whether you get into an accident with another car or a stationary object, collision insurance has you covered. Collision coverage is unrelated to damage caused by water.


Contents insurance protects the personal belongings that you keep inside your RV or motorhome, such as clothing and electronics. Whether that includes coverage for belongings damaged by water depends on your specific policy, so make sure to check the fine print for exclusions.


Liability coverage protects you if you’re found to be at fault for an accident while driving your RV. Water damage does not factor into liability insurance.

Medical payments

If you cause an accident while driving your RV, medical payments coverage will pay for medical costs incurred by your passengers or yourself. Once again, this coverage is unrelated to water damage.

Exclusions that factor into water damage coverage

Almost every insurance policy has exclusions or things that they won’t cover. Knowing your insurance exclusions is an important part of making sure you have proper coverage.

Depending on the cause of the water damage, you might find yourself with a denied insurance claim due to your policy’s exclusions. That makes reading the fine print before agreeing to a policy essential.

Some common exclusions relating to water damage are:

  • Manufacturer defects. If a defect causes water to get into your RV and damage your belongings, your insurance policy might not cover the damage.
  • Lack of maintenance. If you don’t take proper care of your RV and it leads to water leakage, your policy may not cover the damage.
  • Accumulation of snow and ice. If you don’t clear snow and ice off your RV in the winter, your insurer may decline the claim.
  • Dry rot, corrosion, or rust. If any of these issues cause a leak, the insurer may refuse to cover the resulting water damage.

Providers that offer RV insurance that covers water damage

If you just bought an RV and want to find a policy that covers water damage, here are some of the best providers with whom you can work.

Good Sam

  • Water Damage Coverage? Yes
  • Full Replacement Coverage? Yes
  • Personal Belongings Coverage: Up to $3,000

Good Sam is an RV and auto insurance company that offers a wide variety of policies to RV owners. You can buy comprehensive, liability, injury, collision, and more types of coverage from the insurer. The company’s comprehensive insurance covers damage caused by fire, hail, theft, vandalism, and floods.

National General

  • Water Damage Coverage? Yes
  • Full Replacement Coverage? Yes
  • Personal Belongings Coverage: Up to $3,000

National General is a company that offers insurance for cars, RVs, motorcycles, and homes. Its policies pay for repairs caused by water damage and flooding.

As a perk, for certain covered incidents, the company pays for food and lodging if you’re away from home. This is important for full-time RVers who might be far from their home address when the damage occurs.


  • Water Damage Coverage? Yes
  • Full Replacement Coverage? Yes
  • Monthly Premium: As low as $10.42

Progressive is an online insurer that offers insurance for almost every kind of need. The company’s comprehensive insurance covers all sorts of issues, included weather-related damage such as flooding.