protect your rv park property

Property Damage Protection

An RV park should be a place for memories and relaxation—not headaches from property damage, repair bills, or rising insurance costs.

With InsuraPark Property Damage Protection, you can welcome guests with confidence—knowing your park is covered against accidental damage caused during their stay.

Our coverage provides up to $25,000 for guest-caused property damage, whether it’s a broken fixture, damaged utility hookup, or accidental fire. This no-fault protection ensures damages are repaired quickly—without needing to assign blame or tap into your general liability or property insurance.

By keeping minor claims off your primary policies, you avoid premium hikes and reduce the risk of non-renewal. This preserves your core coverage for major events and helps maintain a clean insurance record.

Guests feel more at ease when they know accidental mishaps won’t turn into major problems. Offering protection gives them peace of mind—and shows that you run a professional, guest-focused park. That trust turns into better reviews, repeat bookings, and a stronger reputation.

Claims are handled quickly, with most resolved in 72 hours or less. No deductibles, no delays—just hassle-free protection that keeps your business running smoothly.

InsuraPark’s plans are affordable and scalable, whether you manage a small rural campground or a large RV resort. Our flexible coverage grows with your business and adapts to your needs.

By resolving property damage efficiently and without legal friction, you protect your assets, your guest relationships, and your bottom line. With InsuraPark, you can focus on creating a great experience—while we handle the rest.

Up to $25,000 in Property Damage Expenses

If a guest accidentally damages your property, InsuraPark covers up to $25,000 in repairs—quickly and without fault. That means no disputes, no out-of-pocket costs, and no need to involve your general liability or property policy. Damage gets fixed fast, and you avoid the stress, downtime, and potential impact on your insurance record.

No-Fault Policy: Coverage applies regardless of who is at fault

With InsuraPark’s no-fault Property Damage Protection, coverage is provided no matter who caused the damage. Whether it’s a guest, a staff member, or simply an accident with no clear cause, repairs are still covered—eliminating finger-pointing and ensuring fast, professional resolution without disputes.

Quick Claims Processing

InsuraPark’s streamlined claims process ensures that most property damage claims are reviewed and resolved within 72 hours. Whether it’s a broken fixture, damaged site hookup, or interior repairs, issues are addressed quickly—so you can keep your park in top shape without delays, hassles, or insurance complications.

Items We Cover

ItemDescriptionCoverage
Structure DamageBuildings, structures, and physical assets.$10,000
Equipment BreakdownEssential machinery and equipment.$2,000
Utility Hookups – ElectricalElectrical hookups, wiring, transformers, panels.$1,500
Utility Hookups – WaterWater supply lines, faucets, meters, valves.$1,200
Utility Hookups – SewerSewer connections, pipes, dump stations.$1,500
Dump StationsWaste disposal facilities.$2,500
Septic SystemsSeptic tanks, fields, and plumbing.$3,000
Roads & DrivewaysPaved or gravel paths and access routes.$4,000
Fencing & GatesPerimeter and internal fences, gates, and access points.$1,000
SignageEntry signs, directional signs, and rules signage.$800
Playground EquipmentSlides, swings, and other recreational equipment.$1,200
Fire Pits & BBQ GrillsOutdoor cooking amenities.$300
Picnic TablesOutdoor seating and dining furniture.$250
Swimming Pools & SpasPools, hot tubs, related facilities.$5,000
Restrooms & Shower FacilitiesPlumbing, fixtures, and structural components.$3,000
Laundry FacilitiesWashers, dryers, coin/token systems.$1,500
Office EquipmentComputers, POS systems, phones, and office items.$1,000
Security SystemsCameras, alarms, lighting systems.$1,200
Wi-Fi & CommunicationsRouters, antennas, network hardware.$1,000
LandscapingTrees, grass, irrigation systems.$1,500
Storm Damage & Flood ProtectionDrainage systems, sandbags, erosion control.$2,000
Golf Carts / Utility VehiclesMaintenance transportation vehicles.$2,000
Propane TanksBulk fuel storage tanks for guest or park use.$500
Crime CoverageTheft, vandalism, employee dishonesty protection.$1,000
Liquor LiabilityAlcohol-related incident coverage.$2,000
Trailer SpottingDamage during RV parking assistance.$1,000
Pet LiabilityInjuries or damages caused by pets on site.$1,000
Pet FacilitiesDumpsters, trash bins, recycling stations.$800
Bike Rentals & EquipmentRental bikes and related gear.$1,200
Boat Docks / Launch AreasDocks and launch ramps for boats.$3,000
Outdoor LightingParking lot, pathway, and decorative lighting.$1,200
Event / Meeting SpacesMechanical equipment for waste management.$2,000
Pest Control & Wildlife DamageDamage from pests or wildlife to property.$1,500
Signage LightingLighting dedicated to signs or monument signs.$600
Seasonal EquipmentSnow removal equipment, lawnmowers, etc.$1,500
Land ImprovementsRetaining walls, terraces, landscaping features.$3,000
Vending MachinesFood and drink vending machines.$700
Backup Power SystemsGenerators or solar battery backups.$2,000
CCTV Monitoring ServicesOffsite monitoring service liability.$1,200

Sign up for a free 15-day trial. Cancel any time.

Try InsuraPark risk-free with our 15-day trial—no credit card required. Cancel anytime during the trial without any charges. Coverage begins as soon as you subscribe to a paid plan.

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