What protections should RV owners look for in an insurance policy?
Most motorhome policies can include protections for an RV, and also other protections.
The coverages for an RV itself are quite similar to what’s typically found in a car insurance policy. These may include:
- Personal Injury Coverage: Might insure against injuries sustained by the RV driver and any passengers during an accident.
- Bodily Injury Liability Coverage: Might insure against injuries to individuals outside of the RV, such as pedestrians, other drivers, and passengers.
- Collision Coverage: Might insure against damage to the RV resulting from collisions with other vehicles.
- Comprehensive Coverage: Might insure against damage to the RV from non-collision incidents, such as hail, theft, vandalism, trees, or wildlife.
- Gap Coverage: Might insure against the financial gap between the RV’s current value and the remaining loan balance, if the RV is financed.
- Property Damage Liability Coverage: Might insure against damage caused by the RV to other people’s property or vehicles.
- Underinsured/Uninsured Motorist Coverage: Might insure against accidents involving drivers who are either underinsured or uninsured.
Other coverages can provide protections not directly related to driving. Depending on how they use their RV, drivers might also want:
- Personal Property Coverage: May cover items inside the RV, such as small appliances, clothing, dishes, computers, cameras, souvenirs, and other personal belongings.
- Vacation and Campsite Liability Coverage: May cover everyday accidents that happen in or around the RV when it’s set up for camping/living.
- Emergency Travel Coverage: May cover unexpected expenses, such as food and lodging, that arise when travel plans are disrupted.
- Full-Time RV Coverage: May cover a broader range of risks for individuals who use their RV as their full-time residence.
Does homeowners insurance cover belongings within an RV?
Personal property coverage is usually only needed through an RV policy if the coverage isn’t already provided by a homeowners policy. Many homeowners policies have “worldwide coverage” for belongings, which normally extends protection to when belongings are in an RV. Not all homeowners policies extend coverage for belongings, though.
If a homeowners policy doesn’t protect belongings when they’re in an RV, then personal property coverage probably ought to be included within an RV policy. This is something that a knowledgeable insurance agent can assist with.