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Elmira, NY 14903

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Corning, NY 14830

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Category: RV Insurance

Lightning, Hail, and High Winds: How Extreme Weather Poses Unique Risks for RV Owners

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RVs offer the perfect way to explore the great outdoors, but they also face unique challenges, especially when extreme weather strikes. At Stewart Agency Inc. in Elmira, NY, we know that storms can pose serious risks to RV owners, from sudden hail damage to the dangers of high winds. Understanding these risks can help you protect your mobile home.

Lightning Strikes and Electrical Damage

One of the biggest concerns during a thunderstorm is lightning. Because RVs are often parked in open spaces, they can become targets for lightning strikes. While most RVs are designed to disperse electricity safely, a direct hit can still cause power surges, fry electrical systems, and even start fires. If you’re caught in a storm, unplugging electrical hookups and using surge protectors can help prevent costly damage.

Hail Can Cause Significant Damage to Your RV’s Exterior

Hailstorms can be brutal on an RV, leaving behind dents, cracked windows, and even punctures in the roof. Unlike a standard vehicle, an RV’s larger surface area means there’s more opportunity for damage. Parking under shelter when possible or using an RV cover can help minimize the risk, but having the right insurance coverage is essential for repairs.

High Winds and the Risk of Tipping

Strong winds can be dangerous for RVs, especially when driving. Crosswinds can push your vehicle off course, while extreme gusts can even tip a parked RV over. If high winds are in the forecast, securing your RV with stabilizers and avoiding travel can help keep you safe.

Stay Protected with Appropriate Insurance

At Stewart Agency Inc. in Elmira, NY, we understand the risks RV owners face when dealing with extreme weather. Contact us today to review your RV insurance policy.

RV Ownership Surge: Exploring the Booming Market and RV Insurance Implications

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The surge in RV ownership around the Elmira, NY region reflects a growing trend towards recreational travel and lifestyle flexibility, fueled by changing consumer preferences and economic factors. As more individuals and families embrace RV ownership, it’s essential to understand the implications for the RV market and considerations for securing adequate insurance coverage.

Booming Market for RVs

The RV market has grown recently, driven by increased interest in outdoor recreation, remote work opportunities, and a desire for exploring. This surge in demand has led to expanded offerings of RV models, ranging from motorhomes and travel trailers to camper vans and fifth wheels, catering to diverse preferences and budgets. The accessibility of RV financing options and availability of RV rental platforms have also contributed to the market expansion, making RV ownership more attainable for a broader range of consumers.

Insurance Implications for RV Owners 

RV insurance protects RV owners against financial risks and liabilities associated with recreational travel. Policies are meant to cover most physical damage to the RV, liability for injuries or property damage caused by the RV, and personal belongings stored in the RV. Optional coverage may include roadside assistance, emergency expenses, and coverage for attached accessories like awnings or satellite dishes. 

Risk Management and Safety Practices

Beyond insurance coverage, RV owners should prioritize risk management and safety practices to minimize accidents and potential claims. This includes regular RV maintenance, adherence to safe driving practices, and proper storage and security measures when the RV is not operating. By taking proactive steps to mitigate risks, RV owners can enhance safety on the road and reduce the likelihood of insurance claims.

Let Stewart Agency Inc. Inform You

Stewart Agency Inc. helps answer RV insurance questions and serves the Elmira, NY, region. Call us today.