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What better way to explore the hidden gems of Michigan than in an RV? But theft is an unfortunate possibility that can ruin a vacation. Shield Insurance Agency explains how RV insurance coverage works in regard to the theft of personal belongings.

RV Insurance Liability Coverage Does Not Cover Personal Items

RV insurance policies typically have different coverage options that you can choose from. The most basic coverage option is liability coverage, which covers damages or injuries you cause to others while operating your RV. However, this coverage does not include coverage for personal belongings inside your RV.

Coverage Options To Protect Personal Belongings

To have full coverage for personal belongings inside your RV, you must purchase RV or scheduled personal property coverage. RV personal property coverage comes as an additional coverage option. It covers personal belongings inside your RV that are damaged or stolen due to covered events such as theft, fire, vandalism, or natural disasters. On the other hand, scheduled personal property coverage covers specific high-value items such as jewelry or antiques.

Keep Your Personal Items Safe

In addition to purchasing proper coverage, there are some preventative measures that you can take to reduce the risk of theft. One way is to keep valuable items out of sight, close windows and doors, and lock them when you leave. It is also recommended to use an alarm system or a surveillance camera to deter potential thieves.

Michigan RV insurance coverage for personal belongings inside your RV depends on your policy options. Liability insurance alone does not include coverage for personal belongings inside your RV.