Personal Property - Make Sure its Covered

Most people believe that their homeowners insurance will cover belongings inside their motor homes, but as these policies do not typically cover much outside of the residential property itself. Auto policies firmly limit or constrain coverage for motor home contents, while specialty motor home policies have higher levels of content replacement cost and are automatically included. Plus, you have the ability to increase your content coverage so that you can match the value of all the items you carry, no matter what they might be.

A good place to start is by itemizing your valuables to make certain you're entirely covered for things like tools, electronics, or sporting equipment that could be stolen, ruined or damaged while on your travels. Listing out each item found inside your motor home and assigning it a value make it easy to tally up the total monetary value of your RV contents. Once you have this total, you then know just how much coverage to purchase to make sure all your belongings are accounted for. Once you are done with your personal inventory list, store it in a location away from your motor home, whether it is a fire safe or safety deposit box. It is also a good idea to keep a digital copy of your inventory on file in the event that the hard copy is lost. Be sure to keep track of your inventory as large additions or subtractions may lead to a change in your current motor home insurance policy.

All coverage information and explanations outlined are general and are not representative of all conditions and exclusions. All insurance coverage is dependent on the terms & conditions of the issued policies.