Category: RV Insurance

RV Insurance and Theft Coverage: Protecting Your Personal Belongings

Traveling with your RV means more than just a vehicle on the road – it’s your residential haven on wheels. Naturally, you’d want to secure it and all the valuables contained within against possible threats. So, what happens if your RV gets broken into and your personal belongings, including jewelry and electronics, are stolen? To what extent does your RV insurance cover theft? The insurance experts at The Washwick Agency, serving Bethlehem, NH, offer the following advice for your peace of mind before you hit the road.

Understanding RV Insurance Coverage

There are various types of RV insurance plans. However, a standard RV insurance policy generally protects the RV and certain integral items, such as appliances, fixtures, and built-in electronics. The degree of coverage for personal belongings like computers, jewelry, and other valuables can vary. Some personal items might be covered under the standard RV insurance policy, while for others, additional coverage may be required through what is termed a rider or endorsement.

Importance of Regularly Reviewing Your Insurance Coverage

Before venturing forth on your RV adventure, ensure that your insurance policy is up-to-date and that you fully comprehend your coverage. At the Washwick Agency, serving Bethlehem, NH, we recommend periodically reviewing and updating your policy coverage, including adding protection for personal belongings. Don’t automatically assume that everything inside your RV will be covered. You don’t want to discover post-theft that your valuables were not covered.

We are Dedicated to Your RV Insurance Needs

Many insurance providers offer added coverage options for existing policies, commonly at reasonable premiums. Protecting your valuables could be as simple and effortless as exploring these options. Our goal at The Washwick Agency is to offer you up-to-date information and insurance solutions needed for sufficient coverage. If you’re in the Bethlehem, NH, area and require RV coverage consultation, don’t hesitate to contact us.

RV insurance, like auto insurance, covers many different areas. Of course, no two RV insurance companies are exactly alike. Understanding what’s covered by your RV insurance will vary from company to company. The Washwick Agency team knows that understanding what’s covered can be confusing. We’re committed to helping Bethlehem, NH area RV owners understand what’s covered and what’s not. 

What is RV insurance?

RV insurance is similar to auto insurance in that it can provide liability protection as well as collision and comprehensive protection depending on the particular type of coverage you invest in. Any motorized RV must legally be covered by a liability insurance policy. Any additional form of coverage can be chosen according to the owners’ preferences or other requirements. RV owners can invest in coverage for the repair of their RV if it’s damaged in an accident, as well as coverage for theft, some natural disasters, and vandalism. 

Will RV insurance cover the repair of my RV’s fridge?

No. RV insurance won’t cover your RV’s appliances as well as many other things associated with your RV, including your generator. However, RV warranty coverage can cover your appliances as well as other items and issues that aren’t covered by a typical RV insurance policy. Typically, your appliances are warranted, and extended manufacturer warranty is often an option as well. Like car insurance, RV insurance typically covers theft, vandalism, some natural disasters, damage from wrecks and other circumstances, windshield damage, non-moving accidents and more. However, appliances and other items often aren’t a part of what is covered by an insurance policy.

We Are Here To Help

If you have questions about RV insurance, call us at The Washwick Agency. We can explore your options in the greater Bethlehem, NH area and discuss your unique needs and preferences. We’re standing by. 

RV travel has become a popular option in the U.S., with a broad range of amenities that make the freedom and privacy of this mode of transportation preferable over others. However, your RV needs insurance just like your other vehicles, and you may be unfamiliar with what is covered under these policies. At The Washwick Agency in Bethlehem, NH, we can answer your questions about the right RV insurance for your vehicle.

What RV Coverage Is Mandatory?

RV insurance is similar to auto insurance policies in that each state may set its own requirements on how much liability coverage you must have. Because RVs are often quite large, they can cause significant damage to other vehicles and property in an accident. You may wish to have more liability coverage than your state requires in case you are ever sued for damages caused by your RV.

What Other Coverage Options Are Available?

Collision coverage will help defray the costs of repair to your vehicle in case of an accident. Similarly, comprehensive coverage protects you from the expenses from damaging events that may not be covered under your standard policy. Coverage for uninsured drivers is another coverage option that can help to save you money in case of an accident. You may want roadside assistance coverage or additional coverage for expensive electronics that are kept in your RV. Your agent can help you choose the coverage that best suits your needs.

Choose Us For Your RV Insurance

If this is your first RV, you may have many questions about how much insurance you need and whether you need special types of coverage. We can provide detailed answers from experienced insurance professionals. Contact The Washwick Agency in Bethlehem, NH today for a no-obligation quote on RV insurance to protect you as you enjoy your RV travel.