Going on a trip in an RV, or living the motorhome for any length of time, can mean that you are taking personal belongings with you. The problem is that you may or may not be covered against theft when you obtain a RV insurance policy.
Basic Policies
The requirements that are associated with a RV can vary based on the situation, but generally you are only required to obtain coverage that addresses liability concerns. You may not be required to obtain additional protection, though it may be recommended in most situations.
Since a basic liability policy is only designed to address accidents that you caused and the damages that resulted from that situation, it will not offer protection against theft. A comprehensive plan may offer protection against theft, but the details and options that are available can vary.
Protecting Personal Belongings
Even though a liability policy has limitations, many insurance providers will offer coverage to address more than the minimum standards.
Comprehensive coverage may offer protection against theft, but the details of making a claim and the amount of funding that is provided to replace the items can vary based on the type of plan that you purchased. You will want to read your policy before you assume that you can make a claim. There may be exceptions that limit your options or you may only have coverage to pay for the item after calculating depreciation values.
RV insurance can take many different forms and the coverage that you obtain may vary based on the plan that you purchased. Contact us to speak to an agent to learn more about your options or to find a new policy that addresses your specific goals and concerns.
