Getting Insurance for Possessions Within RVs

Getting Insurance for Possessions Within RVs

If you are an RV owner, then you are probably well aware of the diverse uses of this specialty vehicle. It is not only a motor vehicle, but also something of a home away from home. It can serve as a dwelling on vacations, long-term road trips or even on a permanent basis. It often blurs the line between a vehicle and a domicile. 

Your RV might be home to numerous personal possessions, either permanently or simply on a temporary basis. As a result, you’ll want to be certain that these items remain as protected by insurance as any other aspect of your vehicle. Therefore, you might find appropriate benefits contained within both your RV insurance and your homeowners insurance. However, various circumstances will determine which policy will offer you the best benefits for your unique liabilities. 

Let’s take a closer look at how RV coverage and home insurance might both provide protection for your personal belongings. 

Homeowners Insurance for Belongings Carried in RVs 

Before considering how your RV insurance will cover personal belongings, first examine your homeowners insurance. In many cases, your standard home insurance will provide a base level of coverage even once you take items on the road with you. So, were items in your RV to be damaged in a wreck or stolen from a campsite, you might already have coverage. 

However, there’s a catch. In many cases, your home insurance plan will offer you only very limited coverage options, so it is not the end of all means to covering your RV’s possessions. 

If you live in an RV permanently or semi-permanently, your home insurance might classify your regular home as unoccupied. At this time, your standard possessions coverage might become more limited, and you might find that items within your RV are no longer covered. You might have to look to your RV insurance for additional benefits. 

Personal Effects Insurance Within RV Insurance 

If you have items that you store permanently in your RV, or if you live in your RV permanently, then your RV insurance will contain requisite benefits for these items.