Chuck’s RV Insurance Answers: Up a Creek without an RV

September 8, 2012

Dear Chuck,

We were hit with a nasty rainstorm on our camping trip last night, and a tree fell and crashed into our RV. Fortunately no one was hurt, but we’re about 5 hours from home without a vehicle. Anything we can do?

Wet in the Woods

Dear WW,

I’m so glad that no one was hurt! Ironically, I recently encountered a similar situation on a camping trip with my family. Luckily, you’re not completely stuck. If you have Comprehensive and Collision coverage through Progressive on your RV, your food, hotel and transportation costs will be covered for you and your family under Emergency Vacation Expense coverage.

Because you are more than 50 miles away from your home, the Emergency Vacation Expense coverage included with your Comprehensive and Collision coverage will cover up to $750 in temporary living and transportation expenses, as well as the cost of returning your RV to your home, if it’s unsafe to be driven or towed. For longer trips, you may want to consider increasing your Emergency Vacation Expense limits to $2,000. It can get expensive while your RV is being repaired or returned home.

While you’re considering your insurance coverage, be sure to check the declarations page of your policy to ensure you have the appropriate value applied to your RV (value should reflect the current market value in your area), the deductible you have chosen represents an acceptable level of financial risk if you have a loss and that you have all of the necessary coverage types to ensure peace of mind while you’re travelling or storing your RV. Hopefully, the tree didn’t put too much of a dent on your trip, and you can still enjoy the great outdoors.

Best of luck,
– Chuck

Got an insurance question for Chuck? Email it to and he’ll answer his favorites.

Chuck Mozingo enjoys RVing with his wife, two kids and their dog Scout. They enjoy RVing locally in Cleveland, as well as heading north to Whittier, Alaska to their favorite spot, Williwaw Campground. When RVing, Chuck can’t live without his iPod, s’mores and family thumb war tournaments. When he’s not hitting the open road, Chuck is the RV Product Manager for Progressive Insurance, where he has worked for nearly 20 years.

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