Owning an RV is undeniably exciting, but that excitement can quickly fade if something gets stolen from inside and you discover your RV insurance does not cover it. At Walker and Associates Insurance Agencies Inc., serving Fillmore, NY, we want you to know that while standard RV insurance is typically designed to protect the vehicle itself, the items inside often require additional coverage to ensure full protection.
What’s Generally Covered
Most RV policies include some level of personal property coverage, but limits can vary significantly. Everyday items like clothing, cookware, and some outdoor gear are often protected against risks such as theft, fire, or storm damage. However, higher-value belongings—such as laptops, cameras, or jewelry—may exceed standard coverage limits, meaning a supplemental policy or personal property endorsement might be necessary.
Considering Where You Travel
Since RVs are constantly on the move, they face greater exposure to accidents, weather, and theft. A well-chosen policy ensures your belongings are protected whether you’re parked at a campground, exploring cross-country, or storing your RV during the off-season. Insurance companies understand that your RV is built to travel, and your coverage should reflect that.
Choosing the Right Policy
When reviewing your insurance, take time to assess the personal property limits and explore the differences between replacement cost coverage and actual cash value. If you frequently haul electronics or expensive gear, consider adding endorsements or riders to ensure nothing is left underinsured.
Protecting the belongings inside your RV is just as important as protecting the RV itself. With the right coverage, you can travel confidently, knowing your personal property is secure no matter where the road takes you. Contact your insurance representative at Walker and Associates Insurance Agencies Inc., serving Fillmore, NY, to learn more about your options.
