Personal Effects & Emergency Vacation Expenses

Two specialty coverages that may not be available for an RV on a standard auto insurance policy are Personal Effects coverage and Emergency Vacation Expense coverage. Personal Effects and Emergency Vacation expense coverage are both very valuable in the event of a claim.

Personal Effects coverage provides protection for the items packed onboard an RV. These items can range from the camera you take with you on vacation, to the clothing you pack while on the road. Most standard auto insurance policies do not provide any coverage for items inside a vehicle, whether it is a car or an RV. In the event of a claim, such as a fire, Personal Effects coverage reimburses you for your personal belongings that are damaged or destroyed in the fire, up to the limits listed in your policy. Of course, this coverage is even more important for fulltime RVers as almost everything they own is kept in their RV. Your insurance agent can help you determine an appropriate amount of Personal Effects coverage to carry, but nobody knows what you have in your RV better than you do.

Emergency Vacation expense coverage is also very important in the event you have a claim and are unable to use your RV as your living quarters. This coverage would reimburse you for most living expenses incurred while you’re unable to use your RV, again up to the limits listed in your policy. Generally, things like hotel stays, meals or tickets back home would be eligible for reimbursement. Most policies that include Emergency Vacation Expense coverage have a mileage limitation, where you would have to be a certain number of miles away from home before coverage would apply. Be sure to read your policy or ask your agent if any limitations apply. Of course, this coverage would is even more important for fulltime RVers as their RV is their primary residence.

It is essential for you to read your policy in full to determine what coverages and limits you have. Talk to your agent for more details, or if you have questions regarding any of the specialty coverage listed on your policy. For a complete review of your policy go to www.explorerrv.com/quote or call 888-774-6778.

Jill Marsillett
Specialty Agent