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If you spend a lot of time using your RV and bring along many personal belongings, you may wonder what will happen to them if they are lost or damaged while you’re on the road. Will your RV policy adequately protect your possessions? The answer depends on the coverage you select for your investment. McCormick Insurance Inc., serving residents of Pembroke Pines, FL, can help you choose the right coverage for your personal belongings.
RV Policies Are Not One-Size-Fits-All
RV policies vary widely, offering different options for covering various types of vehicles. Before settling on an RV policy, carefully review its provisions to determine if it includes personal property coverage, also known as personal effects coverage. Personal property insurance is typically optional and comes with a limit on the amount your insurer will pay for lost or damaged items. Covered risks that result in lost or damaged belongings are similar to those covered by homeowner’s insurance, including fire, theft, vandalism, and storm damage.
What Types of Items Are Covered?
Personal property coverage generally protects most items you bring into your RV or travel trailer. These include:
- Clothing
- Shoes
- Appliances
- Electronics
- Cookware
- Furniture
However, some policies may not cover theft or damage to personal effects unless your RV itself is stolen or damaged.
If you keep valuable items like jewelry, artwork, or small collections in your RV, consider purchasing additional insurance. A standard personal property provision may not cover the full value of your loss. Options include a jewelry policy or a rider that lists specific items for a scheduled fee.
Protect Your Belongings on the Road
Learn more about how you can safeguard your belongings while traveling in your RV. Contact the agents at McCormick Insurance Inc., serving Pembroke Pines, FL, to schedule an appointment and explore your coverage options.