Are RV Awnings Covered by Insurance?

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RV awnings are typically made of canvas, and if left open frequently, they can take a lot of abuse from the wind, rain, and sun. Inevitably they get damaged. So, are RV awnings covered by insurance?

As a general rule, RV awnings are typically covered by insurance. However, many policies allow owners to exclude awning coverage to lower premiums, and if the damage to the awning was caused by a storm, the deductible might be higher than normal.

But there’s a lot more to know.

In this article, we’ll find out if you need an extended warranty to make sure that your RV awnings are covered. We’ll also check out what RV insurance usually cover. But we’ll also look at whether Progressive RV insurance cover awnings.

Let’s dive right in.

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Do I need an extended warranty to make sure my RV awning is covered under insurance?

Generally, an RV extended warranty is not needed to cover awnings that may be damaged unless the insurance policy has an exclusion on awnings or if awning coverage was opted out.

It can get confusing.

After all, you have the manufacturer’s warranty. Then you have the insurance policy you buy. Then, you have an optional extended warranty.

But in most cases, the insurance policy you select will cover awnings, less whatever deductible you have set. Manufacturer warranties can be limited. And often, they are only 1-2 years at most. They also don’t transfer to the new owner if you sell the RV.

So if you bought a used RV, make sure you get an extended warranty.

In a recent article, I took a deep dive into RV extended warranties. I looked at the differences between the factory and extended warranties, and I checked whether extended warranties are transferable. But, I also shared the very best extended warranty companies.

Just click the link to read it on my site.

What does RV insurance usually cover?

As a general rule, RV insurance usually covers bodily injury and property damage liability, collision, comprehensive, uninsured or underinsured motorists, and medical payments. The larger the value of the coverage, the greater the premiums.

But if a loan was taken for the purchase, the lienholder will require insurance that covers the value of the RV.

Let’s check out average cover options for RV insurance:

Bodily Injury Liability

This is a policy that’s required by most states. It offers coverage if you were to have an accident and someone is seriously injured in a manner that affects their ability to earn income. It’s coverage for their medical bills and loss of income.

Property Damage Liability

If you were involved in an accident with someone else and you damaged their vehicle, this covers repairs needed to be done on the vehicle. In this case, you are the cause of the damage. It’s also required by most states.

Collision

No matter who caused the accident, collision covers the cost of repairs to your RV. It also covers RV or motorhome rollovers. It may be required if you lease or finance an RV. It includes a deductible.

Uninsured Motorist

If you had an accident in which an uninsured motorist caused damage to your RV and yourself, and they do not have insurance that would have helped to cover the cost of repairs and medical bills, the uninsured motorist policy is available to save the day.

Does Progressive RV insurance cover awnings?

Progressive RV insurance does cover awnings. Awnings fall under the ancillaries and attachments. So you can elect to have your awnings covered. It’s smart to look at the terms closely to know the relevant details, such as whether there are deductibles, and how much those are.

Awnings are awesome for enjoying the space outside your RV.

They help extend the space available for you, your loved ones, and friends to chill out. As such, they’re a critical component that ought to be covered.

But the coverage is not automatic.

Apart from the policies required by law, you are free to decide which parts of your RV you want to be covered and which parts you don’t want to be covered.

You can build up a quote online, in-person, or by calling Progressive and letting them know you’d like your awnings covered. That would naturally increase your premium, but it’s a proactive step to take.

How much is a replacement awning for a camper?

On average, most RV awnings can be replaced (fabric only) for between $150-$200. To replace the entire awning, including the metal frame, the price will range from $1,000 to $2,000 depending on size and whether it is motorized or hand-crank.

Like most things in life, the cost of replacing an awning depends on many factors.

Are you replacing the fabric alone or the whole awning? Bear in mind, too, that small holes in the fabric or vinyl can usually be patched.

And a metal frame that is bent can often be fixed.

The good news is that, especially if we’re talking about the fabric only, that’s a good DIY project for most RV owners. So you’ll save on labor costs.

For the entire awning, unless you have a few good experienced helpers, I would personally leave that to the pros.

How long do RV awnings last?

Typically, an RV awning that is not left open all the time will last up to 15 years. Awnings frequently left open will need to have the fabric replaced approximately every 5 years. But canvas will last longer than vinyl, and both are better than acrylic.

Because the frames are made of aluminum, they usually last a long time.

In fact, some last a lifetime. Some awning manufacturers offer a 10-year warranty. So, if your awning is properly taken care of, you shouldn’t have any worries for years.

The fabric is naturally not as sturdy as the frames.

Hopefully, your RV had a high-quality awning to start with. And if you ensure it’s cleaned regularly and rolled up when not in use or when there’s the likelihood of heavy rain or a storm, it would last a long time.

If you start experiencing minor glitches, such as if it’s not retracting as smoothly as it should, it’s ideal to get it fixed as soon as possible.

If you plan to live in an RV full-time, it’s smart to know about the pros and cons. 

So, what are the pros and cons? In a recent article, I shared 25 pros and cons of living full time in an RV.

Is an RV cheaper than owning or renting a home? Are its maintenance costs lower than that of a home? How do you earn an income while on the road? These and more are what I addressed in the article.

Just click the link to read it on my site.

Conclusion

In this article, we found out if you need an extended warranty to make sure that your RV awnings are covered.

We also checked out what RV insurance usually covers. But we also looked at whether Progressive RV insurance cover awnings.

Then, we found out how much a replacement awning costs. Lastly, we wrapped things up by looking at how long RV awnings last.

Image by Lindsy Williams from Pixabay