Tag Archives: rv & camper

RV & Camper Insurance: Does It Cover Accessories?

Posted on by

Traveling in an RV is similar to taking your home on wheels, offering convenience and comfort. However, this unique lifestyle often requires additional insurance coverage. If you own an RV or camper in Bethlehem, PA, understanding your insurance options is essential.

Liability Coverage

Liability coverage is legally required for any vehicle you drive on the road, including RVs. If you own a pull-behind camper, your auto liability insurance may provide some coverage, but it might not be sufficient to cover damages if an incident involves another person’s RV.

Liability insurance does not cover items such as accessories or personal belongings. It only provides coverage for the other person’s vehicle and bodily injury if you are found at fault. To ensure comprehensive protection, consult with an agent at Saucon Insurance Agency to verify that your policy covers all aspects, including accessories for your RV or camper.

Accessory Coverage

Insurance companies consider several factors when determining coverage for RV accessories. Attached accessories, such as awnings or satellite dishes that are permanently connected to the RV, are typically covered under a comprehensive policy. Some companies offer specialized policies for attached accessories to ensure your coverage limits are sufficient to replace damaged items.

Detached accessories, such as camping gear or portable shade umbrellas stored inside the RV, are usually not included in standard policies. These items fall under the "personal belongings" category and require personal property coverage to be protected.

At Saucon Insurance Agency, we understand that your RV is more than just a vehicle. It serves as your home, and we can help you find a policy that provides adequate coverage for attached accessories and personal belongings. Contact us today to get started. We proudly serve the Bethlehem, PA area.