When making the jump to live in an RV full-time, it is important to make sure that the insurance policy you carry covers not only the RV itself, but also all your personal possessions and property. An insurance policy for those living in an RV is very similar to a homeowner’s policy. The two main types of coverage to consider when purchasing or renewing a policy are:
Property Coverage
When living in an RV full-time, all the possessions that you own are with you and for that sole reason, you want to make sure that all personal items are protected and covered should loss or damage occur. When shopping for insurance, inquire about how much monetary coverage the policy provide and if it will cover the costs of your items. Ask if all items such as jewelry, electronics, small furniture items, tools, etc. are covered.
In addition, many who live in an RV full-time may store possessions in a storage shed away from where the RV is.. If the possessions within are damaged or stolen, check to see if insurance can be bought to cover these items.
Personal Liability
Just as you would with a homeowner’s policy, bodily injury and property damage needs to be purchased as part of a policy in case of an accident if someone falls or slips while in your RV or on the campground area of where your RV is parked.
Runnels Insurance, serving Brandon, understands the different types of insurance needed to protect your personal possessions and your RV. Visit our website or call us at 813-653-0681 to talk to one of our team members about what type and how much insurance you need. We offer various types of insurance to provide you with the best pricing possible.
