Your RV is one of the most valuable things you own, and it becomes even more valuable when it’s filled with your personal belongings. Knowing whether those items are covered under your RV insurance is important. Having the right level of personal property coverage can make recovery faster and easier when a covered event occurs. Do you have questions about your RV insurance? The professionals at Rock Insurance Services, serving Medford, NJ, and the Tri-State area, can help. Here’s what you need to know.

Does RV Insurance Cover Personal Belongings?

In most cases, RV insurance includes personal effects coverage that protects belongings kept inside the RV. Clothes, appliances, and electronics are common items typically covered. This means that if your RV is damaged in a covered event and some of your personal belongings are damaged along with it, your policy may help with the cost of repair or replacement.

What Personal Belongings May RV Insurance Not Cover?

If your RV contains especially valuable items, personal effects coverage may not reimburse their full value. For example, an expensive computer or a high-value piece of jewelry may be covered only up to a certain limit under your standard policy. To secure full coverage, items like these typically need to be scheduled separately. To find out whether anything you own exceeds your RV insurance policy’s limits, talk to your insurance agent.

How Can You Get RV Insurance Coverage?

If you need RV insurance, the team at Rock Insurance Services, serving Medford, NJ, and the Tri-State region, can help. As an independent insurance agency, we can help you shop around for a policy that truly makes sense for your situation. Call today.

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RV insurance in the Medford, NJ, area combines the benefits of auto and home policies to ensure you’re covered when you hit the road. This is necessary if you use your RV as your primary vacation plan, but what happens when something damages or destroys it?

Standard Coverage

Standard coverage works similarly to auto and home insurance. It will often cover damage to the RV, may extend to cover accessories, such as a satellite dish, and can cover belongings inside the RV up to a specific limit. 

Most standard policies also include limited liability coverage in case you’re at fault in an accident. They may cover natural disaster damage, but it can also depend on the policy. Speak with an agent at Rock Insurance Services to learn more about your coverage options. 

Unfortunately, temporary lodging costs aren’t usually covered by standard policies in the tristate area. You do have other options, though. 

Additional Coverage Options

Many insurance companies offer insurance add-ons to ensure you have the coverage you need. Most provide emergency expense coverage in case something happens while you’re on the road, and you need a place to stay, or all of your belongings are destroyed, and you need to buy groceries. There is usually a coverage limit, such as $1,000, to help cover expenses while you return to your primary residence or your RV is in the shop. 

Many families also invest in additional coverage for accessories to ensure everything is protected, including items such as detached awnings. Roadside assistance is another popular option. 

Knowledgeable representatives at Rock Insurance Services can help you learn more about your options before you leave for vacation. Contact us. We’re currently serving the Medford, and tristate NJ area.