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Does motorhome insurance cover mold and mildew?

Owning a motorhome is a great way to explore the open road, but it can also come with its own set of risks. One of those risks is damage due to mold and mildew. While motorhome insurance generally covers much of the damage that could occur while you’re on the road, there can be some confusion around what types of coverage are included when it comes to mold and mildew.

Insurance Solutions LLC takes a closer look at what Omaha, NE motorhome insurance covers in relation to mold and mildew so that you can make sure your vehicle is adequately protected. 

What Is Covered by Motorhome Insurance? 

When it comes to motorhomes, most standard policies cover physical damage such as theft, vandalism, fire, hail, windstorm, and other incidents related to these perils. The policy may also include liability coverage for bodily injury or property damage caused by any accident involving your motorhome.

In addition, many policies will include medical payments coverage for medical expenses incurred in an accident involving your motorhome. However, when it comes to mold and mildew damage, most policies do not cover this type of damage unless it is specifically listed in the policy as a covered peril. 

Does Motorhome Insurance Cover Mold & Mildew Damage? 

It depends on the individual policy since every insurer has different terms and conditions. Generally speaking though, most Omaha, NE policies do not include coverage for mold or mildew-related damages unless they are specifically listed as being part of the policy’s coverage limits.

But some insurers may offer additional coverage if you purchase a separate rider that provides specific protection against mold or mildew damage.

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Contact Insurance Solutions LLC today and we can help you find the coverage you need.

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