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 property 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 would need to insure these types of possessions separately, such as with a jewelry insurance policy or an insurance rider to your homeowners insurance policy.
Does RV insurance cover theft of personal items?
Yes, if you have personal property or personal effects coverage on your RV policy, then your belongings are generally covered for theft. 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 smartphone 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 I need RV personal property coverage?
If you spend a lot of time RVing, or live in your RV full-time, then it's worth considering personal property coverage. The more time you spend on the road, the higher the chance someone may steal your property. If you're a full-time RVer, then you should also consider full-time RV insurance, which provides additional coverage for liability claims and loss assessments from your RV association.
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