Was not sure where to put this, its tangentially related to solar, but mods feel free to move it if you do not think it fits.
I was watching a video on Youtube today of someone who had to total out their rig. While this is a horrific thought, it begs some questions about insurance, and specifically the upgrades some of us have been making. Obviously I plan to make some calls to my agents to verify but curious if anyone has any thoughts on coverage for things like the solar upgrades and Li-Ion batteries. Usually I would expect the rig itself to be covered by its policy, or the trucks if connected, and the contents under my homeowners. Are things like solar panels and batteries considered contents or a "part" of the rig? Obviously they are not factory, but are the Li-Ion batteries any different than if I had replaced the stock battery with a new one, just more expensive? Do any of you notify the insurance company of the upgrades?
The video I watched was minor damage to the rear that unfortunately totaled the frame. In this case the solar and batteries would be completely intact, would you expect to be able to go get those items same as your coffee maker and clothes, or would you have to arrange to buy them for salvage from the insurance company?
Just curious what direction to expect this discussion to go before I reach out to my agent. My home, trailer, and auto are all through different companies, and the truck is a corporate policy through my company, so its not a call to one agent to sort it out.
TIA
I was watching a video on Youtube today of someone who had to total out their rig. While this is a horrific thought, it begs some questions about insurance, and specifically the upgrades some of us have been making. Obviously I plan to make some calls to my agents to verify but curious if anyone has any thoughts on coverage for things like the solar upgrades and Li-Ion batteries. Usually I would expect the rig itself to be covered by its policy, or the trucks if connected, and the contents under my homeowners. Are things like solar panels and batteries considered contents or a "part" of the rig? Obviously they are not factory, but are the Li-Ion batteries any different than if I had replaced the stock battery with a new one, just more expensive? Do any of you notify the insurance company of the upgrades?
The video I watched was minor damage to the rear that unfortunately totaled the frame. In this case the solar and batteries would be completely intact, would you expect to be able to go get those items same as your coffee maker and clothes, or would you have to arrange to buy them for salvage from the insurance company?
Just curious what direction to expect this discussion to go before I reach out to my agent. My home, trailer, and auto are all through different companies, and the truck is a corporate policy through my company, so its not a call to one agent to sort it out.
TIA
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