RV Contents Coverage

If there is one area of the Full Timer RV policy that needs special attention, it is coverage for Personal Effects or Contents Coverage.

This coverage pays Replacement Cost for your belongings located in your RV. Items that came with the RV like TV's, Microwaves etc are considered part of the RV and are covered under your collision and comprehensive coverages.

Examples of RV contents would be clothing, dishes, computers, dvd's and cd's, jewelry, lawn chairs, grills, hoses etc. Since the coverage is Replacement Cost, when deciding how much coverage to buy, you should consider the cost to replace the items and not their current worth.

The biggest misconception of this coverage is that the coverage applies no matter where your items are, but that is not always the case. If you purchase $5,000 of contents coverage, that is the most the insurance coverage will pay for items damaged while they are inside the RV.

Once you take your items out of the RV, your coverage can be reduced to 25% of the total you purchased. If you purchased $5,000 then you would have $1,250 of coverage for items out of the RV.

An example of a typical coverage limit I would write for a full timer would be $10,000 of Personal Effects coverage giving $2500 for items outside the RV. The average cost of this would be around $80 per year.