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Does My Motorhome Insurance Cover My Personal Property Inside?

Does My Motorhome Insurance Cover My Personal Property Inside?

Mar 01, 2023

Motorhome Insurance in Florida is an important addition to your travels. It can protect you from financial strain and save you a lot of worry in the event of an incident. Most motorhome or RV owners agree with this statement, leading them to purchase a policy. However, many policyholders do not know what is covered under their insurance. Today, we will talk a bit about motorhome and RV insurance and clarify whether or not the components or personal property stored inside the vehicle is covered under your insurance policy during an accident. 

Let’s dive right into a motorhome, travel trailer, or RV insurance policies and what they cover so that you can be prepared and hold the expected coverage. 

Motorhome and Travel Trailer Insurance Coverage

Having RV insurance protects your investment and provides coverage in the event of an accident. There are several factors to consider when determining the type of coverage you need for your RV, including its classification, value, and how often you use it.

Liability coverage is necessary if you drive a motorhome and cause damage to someone else’s property or injure someone. You will also want to consider collision and comprehensive coverage to protect your vehicle from non-collision events such as theft, vandalism, and weather damage. Other factors that can impact the coverage you need include how often you use your RV, where you store it when not in use, and whether you have any distinctive features or modifications requiring additional coverage.

Ultimately, the best way to determine the type of coverage you need for your RV is to speak with an insurance agent who specializes in RV insurance. They can help you assess your needs and find a policy that provides the right level of protection at a price that fits your budget.

One type of coverage that some individuals forget about when purchasing a policy is the private property they store inside. This is where personal property coverage for your motorhome comes in handy.

Personal Property Coverage

Personal property insurance for your motorhome provides financial protection for all the belongings you bring with you. It includes items such as shoes, apparel, gadgets, electronic devices, eyeglasses, and much more. Most auto insurance policies don’t provide this type of coverage unless explicitly opted for. 

Although personal property insurance will increase your yearly premium, full-time RV owners must consider adding this to their policy. Without personal property insurance, motorhome owners are leaving themselves open to financial loss should their RV and/or belongings be damaged or stolen.

Adding personal property insurance to your RV insurance policy can vary depending on several factors, including the type and value of your belongings, your deductible, and the level of coverage you need.


In general, personal property insurance can be added to your RV insurance policy for a relatively low cost, often ranging from $40 to $150 per year. However, this can vary depending on the insurance company and your specific policy. 

Limitations on Personal Property Insurance

In most cases, personal property insurance excludes certain types of items from coverage, especially those that are illegal or high value. 

Some common limitations vary depending on the insurance company and the policy you choose:

Coverage Amounts: Personal property insurance may have a maximum coverage amount, which means you may only be reimbursed up to a certain amount if your personal belongings are damaged or stolen.

Types of Items: Some policies may have limits on coverage for certain types of items, such as jewelry, artwork, or electronics. If your personal things are worth more than the X amount your policy states, you will have to insure them separately. 

Exclusions: Personal property insurance may not cover certain types of losses or damage, such as damage from flooding or earthquakes. 

Understanding your private property coverage’s limitations and exclusions is essential. A separate policy or additional coverage may be needed if you have high-value items that exceed your policy’s limits. If you are unsure about what is and is not covered under your policy, you can speak directly to your insurance agent and get all the answers you need to be fully covered.

Getting the Most Out of Your Personal Property Policy

The best way to get the most out of your motorhome or travel trailer insurance policy is to understand how it works. The following tips will help you maximize your coverage:

Review Your Policy: Take the time to review your policy and understand your coverage limits and deductibles. You should make sure you know what is covered and what is excluded.

Keep an Inventory: Create an inventory of your personal belongings, including serial numbers and purchase dates. This will help you file a claim if your property is lost, stolen, or damaged.

Secure Your Property: Take steps to secure your property, such as installing locks, alarms, and security cameras.

Report Losses Promptly: If you experience a loss, report it to your insurance company as soon as possible. This will help expedite the claims process and ensure you receive the compensation you’re entitled to.

Tips for Protecting Personal Property

Purchasing a personal property policy is guaranteed to be one of the best ways to protect your personal assets inside your RV. However, even with a policy, nobody wants to file a claim because with a claim also comes paperwork, paying a deductible, and the potential rise of your future premium. So, to help you protect your personal property from damage, we have created a list of tips to keep in mind while traveling in your motorhome.

Tip #1—Leave Expensive or High Valued Items at Home

The last thing you want in the event of a theft or fire is to have your high valued item stolen or destroyed. It is always best to leave those items at home if they are not needed by your side. It is also important to remember that even with personal protection insurance in Florida, these items may not be covered, depending on your policy and how much coverage you opted for at purchase. 

Tip #2—Research the Areas You Are Resting At

Protecting your personal property can be done by researching the area you will be leaving your motorhome to rest (especially if you are going out to explore without it). You always want to make sure that you are parking in a well-lit area with a low crime rate to avoid theft or vandalism.

Tip# 3—Always Lock Your RV/Motorhome

Locking your RV up can help to deter thieves from entering your motorhome. If you leave your doors unlocked, and criminals can easily access your personal effects, you may be putting a larger target on your back. It is also essential to understand that some insurance providers will not cover thefts or vandalism that occur if you neglect to protect your items by locking your RV while you are away. 

The Main Take-Aways

Understanding your motor home or travel trailer insurance policy’s personal property coverage is essential and protecting your personal belongings from theft or damage can be easier if you understand what’s covered and what’s excluded. Personal property coverage typically covers items stored inside your motor home or travel trailer. It can range from clothing, electronics, and appliances to smaller items such as dishes, silverware, and bedding. It also generally covers items that are attached to the vehicle, such as awnings, furniture, and accessories. However, it does not cover items that are not permanently attached to the motor home or travel trailer, such as bikes, kayaks, and other recreational items.

In addition, taking security measures, creating an inventory of your personal property, and keeping important documents safe can help protect your belongings even more. You can feel confident about the safety of your personal property while traveling by staying informed and taking precautions.

Get Your Personal Items Insured Through Del Toro Insurance

Whether you have a motorhome or travel trailer, Del Toro Insurance can help you get personal property insurance. Our team of agents has all the experience they need to offer you a wide range of insurance policies and coverage options to meet your specific needs.

At Del Toro Insurance, we understand that your motorhome or travel trailer is more than just a vehicle; it’s a home away from home, filled with personal belongings that need to be protected. When you work with Del Toro Insurance, you’ll have access to our team of experienced insurance agents who can help you understand your coverage options and choose the policy that best fits your needs and budget. We provide comprehensive coverage for motorhomes and travel trailers so that you can have the peace of mind that your belongings and vehicle are protected no matter where you go.

Moreover, Del Toro Insurance offers competitive rates and flexible payment options, making it easy for you to obtain the coverage you need without breaking the bank. Don’t worry, we also provide exceptional customer service, ensuring that you have a hassle-free experience when you need to file a claim.

Call us today so we can start helping you insure your motorhome and all the personal items you hope to store inside!

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