RV Security
I read Mike Wendland's blog, Roadtreking. He has a Roadtrek class B and writes about his travels. His recent topic is that his RV was broken into, and he lost about $12,000 worth of equipment. It...
Forum Discussion
AstroRig57 wrote:JimK-NY wrote:
Make sure your insurance covers theft from an RV. We had insurance but found we had no coverage. The typical coverage is from a homeowners policy and not through the RV insurance. If you are a full timer and have no homeowners, be sure your RV insurance is for a full timer. National Interstate has good full time policies. Most of the rest of the companies do not provide theft coverage.
If you have selected proper coverage you should be covered.
If you have "Personal Effects" coverage on your RV, items IN your RV or, at least in the case of our coverage, stored ON "property owned by you on which the RV is parked, and reserved exclusively for use of the RV", (like a pad for parking the RV), OR property stored ON "property reserved for the use of your RV" (like an RV site or campsite), is covered against loss by virtually any means including THEFT.
The caveat is, that on some policies you must elect to have "Personal Effects" coverage, or increase personal effects coverage that may be part of the comprehensive but that has minimal limits.
Default personal effects coverage on our Progressive Policy was $1,000. Since we often travel with valuable astronomy equipment, we customized our RV coverage to have the maximum Personal Effects coverage of $10,000. Even this often won't cover all of the equipment we often carry with us but it's the best we can do as part timers. I think full timers can select higher coverage than this. We have a deductible of only $100 on our personal effects coverage.
Though there are minimal personal effects inside it when the motorhome is on the pad at our home, we also have a wireless motion detector in the RV which has sufficient range to set off the monitored alarm system for the house.
All of that said, we've never had problems of any kind with theft from our RV's or campsites at home or away.
I am not sure every insurance company offers the riders and options to provide adequate coverage. Even yours sounds shaky. Maybe campgrounds are covered. The wording sounds questionable. But you would not be covered if you stopped at Walmart and had a theft while shopping. When we were fulltimers, we visited relatives and rented a car. Items were stolen from the car and we found that we did not have coverage. That changed when we went to National Interstate. Their policies are geared towards fulltimers. Other policies and agents don't seem to understand.
