RV insurance is often thought to be protection against losses sustained to the actual vehicle. It can offer that coverage. However, most recreational vehicle insurance policies may also include personal effects coverage. This type of insurance can be a layer of protection for what’s inside your vehicle. It could be one of the most valuable policies for you if you are involved in a significant accident, flooding, fires or other instances when your belongings are damaged.
What Does Personal Effects Insurance Cover?
Personal effects coverage can provide protection against losses related to items that are not permanently attached to your recreational vehicle. There are many types of items you have on board with you when traveling. Most of these can be covered by the policy. This includes personal electronics, jewelry, clothing and even the food you have in your RV. The amount it covers depends on the policy. Generally, most RV insurance policies can provide $3,000 or so in coverage. If you have personal belongings on board that are, in combined value, higher than this, it may be wise to extend this coverage further. Most companies may allow you to obtain additional coverage beyond that $3,000. Additional costs may apply, but they tend to be limited.
Keep in mind that if you have very valuable items in your RV, you should name those items on your RV insurance policy. For example, if you purchase a big screen TV for your RV or you are frequently transporting your high value collection, be sure these items are specifically named on your auto insurance policy for your RV. This can help to ensure those items have coverage in the event of a claim.
How Much Do You Need?
The amount of personal effects insurance you need depends on many factors. As an RV owner, you’ll wat to estimate the value of the items you have in your recreational vehicle on a regular basis and then ensure your RV insurance policy offers at least that amount in coverage. If your policy does not have enough cover, you can in most cases, add onto the policy easily or obtain a new policy that offers more flexible or comprehensive protection for your valuables and possessions.
Is your stuff covered? Call Corbett & Associates Insurance Agency at (805) 496-1424 for more information on Ventura RV insurance.