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Insurance Considerations for Recreational Vehicles
Ahhh... the joys of RV and motorhome travel. It is a nice convenience to motorhome travel or trailer travel because you get to take along the comforts of home. Unfortunately, many RVers don't take the time to adequately insure all of the comforts of a home away from home.
When someone decides to go through the process of buying an RV and all the other time consuming details of getting the right RV for their needs, often the last detail is usually the insurance. Even when insurance is remembered, it is usually something purchased as an afterthought and at the least cost. RV shoppers should know that the right RV insurance is important, and not just for covering their RV but also to properly cover their personal property inside.
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.
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, ect. A seasoned RV owner knows that the list of personal property items they keep in their RV is big and the costs add up. But isn't all that stuff already covered under one's homeowners or renter's insurance policy?
The answer is yes and no. 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.
In a nutshell, find your perfect RV but don't put your insurance on the back burner. Immediately look into a special RV insurance policy that will cover your RV personal property above and beyond what your homeowners insurance policy will. You won't immediately realize what an important decision you made but when it comes time to file that claim you will be a happy camper!
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