Does RV Insurance Cover Theft?

If you have collision and comprehensive, your RV is covered if it is stolen. But what about the possessions contained within the RV?

If you have a home in San Antonio, TX, your home insurance should kick in and replace whatever was inside your RV that was stolen. But what if your RV is your primary home?

Some policies may cover personal items within the RV by default, but most will only cover these items if the RV is stolen with these items inside it. That means that items lost to a break-in would not be covered, but those same items might be covered if the RV itself was stolen.

If you want to make sure that your possessions are fully covered, you need to ask your insurance agent about this specifically. The assumption that many insurers begin with is that your RV is just your vacation ride and that you likely have a home somewhere in San Antonio, TX. That home insurance policy will cover your possessions. If this isn’t the case, then you need to make sure that your insurance agent knows it’s not the case.

Of course, if you do own a traditional home, and that home is fully insured, you don’t need to worry about it. The only possessions you need your RV insurance to cover will be those that are bolted down and which are already covered as part of the value of the RV itself.

If you have any questions or you’re looking to get insured, get in touch with Integrity Advisors Agency LLC. You can call or check out the Integrity Advisors Agency LLC website for a good deal on a great policy.