Does RV Insurance Cover Personal Belongings Inside Your Vehicle?

Recreational vehicles (RVs) like motorhomes, campers and fifth-wheel trailers can be valuable commodities that may double as homes on wheels. This makes insurance a potentially complicated topic, as you may need to secure coverage capable of accounting for risks and exposures applicable to both motorists and homeowners. One specific consideration you should prioritize is how personal property stored in your RV may be covered.

What Kind of RV Insurance Covers My Belongings?

As you likely already know, RV insurance can cast a multifaceted financial safety net across many potential incidents and losses involving your vehicle. This may include coverage for physical damage, such as collision coverage for crashes and comprehensive coverage for severe weather, theft and fires. But, when it comes to belongings in your vehicle rather than the RV itself, you’ll likely need full-time RV insurance or at least a policy that includes contents coverage.

How Does My Coverage Work?

By having full-time RV insurance and/or contents coverage, you can establish a valuable financial shield against many common incidents and losses. Full-time policies are typically more robust and may be necessary if you reside in your RV for over 6 months of the year. Alternatively, contents coverage may be available in part-time policies while still financially protecting belongings during your travels. Specifically, your policy may help recoup losses involving the following:

• Furniture

• Camping, hiking and other gear

• Electronic devices

• Clothing

• Small appliances

Covered incidents can vary depending on your carrier and policy details, but losses arising from many frequent situations, such as fires, theft and vandalism, may be included in your RV insurance. Additionally, if your belongings are damaged in a crash on the road, losses may be covered if the incident qualifies under the collision or comprehensive coverage aspects of your policy.

We’re Here to Help

Contact the Morais Agency in Chester, New York, today to learn more about RV insurance and find a policy with coverage for your personal belongings.