Motor Home Insurance
When you decide to buy an RV, you are consumed with choosing all the other time consuming details of getting the right rig for your needs, the last detail is usually the insurance. And, even when insurance is remembered, it is usually something purchased quickly and at the least cost. Smart RV shoppers know that the right RV insurance is important, and not just for covering their rig but also to properly cover their personal property.
The process involved to buy an RV, whether one is buying a Class A, B, or C used RV, a travel trailer, or any type of RV, should always include a large emphasis on purchasing the right personal property insurance protection for their RV. Even when you find your perfect rig, you will not have the perfect motorhome if it’s not covered properly.
Why is personal property insurance for an RV owner so important? Well, think about all the fun extras that are usually in an RV: bike ladder holders, awning rooms, reclining chairs, gps, laptops, backpacking gear, camping stoves, etc. A seasoned RV owner knows that the list of personal property items they keep in their RV is big and the costs add up. Some of all that stuff is already covered under your homeowners or renter's insurance policy, however, some personal property items are covered when they are out of one's home but there are limits and the limits can vary from policy to policy. When it comes to personal property coverage on one's homeowners insurance there are resident restrictions, time restrictions, excluded items and excluded perils.
This information is general information to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions expressly stated in any contracts of insurance. Please speak to one of our licensed insurance representative and read your policy contract to fully understand your coverages.