How does RV personal property coverage protect my stuff?
Personal property coverage (also known as personal effects coverage) on an RV insurance policy protects your belongings, such as laptops or camping equipment, from theft, loss, or damage while using your RV. This an optional coverage that includes a limit — the maximum amount your policy would pay to replace your property — that you may adjust to your needs.
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Does RV insurance cover all items inside my motorhome or travel trailer?
In general, RV personal effects coverage can cover most possessions you may keep in your motorhome or travel trailer, including:
- Clothing
- Shoes
- Appliances
- Personal electronics, like phones or laptops
However, your coverage may exclude high-value items, such as jewelry or artwork, or not insure them sufficiently. You may insure these types of possessions separately with a jewelry insurance policy or an insurance rider to your homeowners insurance policy.
Does RV insurance cover the loss of personal items?
If you have personal property or personal effects coverage on your RV policy, your personal items may be covered in the event of theft or damage as the result of a vehicle accident, fire, or severe weather. Note that your coverage will only pay up to the limit you chose when you bought your policy, though you may have the option to increase your limit.
Learn more about how RV insurance covers theft.
Example:Your RV is stolen and recovered, but your laptop and television are gone. Your RV policy's personal property coverage would pay to replace these items for you, up to the limits of your policy.
Do you need RV personal effects coverage?
If you spend a lot of time RVing, or live in your RV full-time, then it's worth considering personal effects coverage. The more time you spend on the road, the higher the chance someone may steal your property. While your homeowners insurance may cover certain items, it could be limited, so it's important to understand how all of your belongings may be protected.
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