Many Florida residents own motorhomes, which they use either for recreational purposes or as primary residences. Either way, motorhomes are invariably stocked with personal possessions ranging from items of clothing to furniture and even family heirlooms when the motorhome is used as the primary residence.
Motorhome Insurance Security
For the reasons mentioned above, motorhome owners carry insurance, often with Americas Insurance Associates serving Florida residents. Having insurance coverage helps to make sure that the motorhome may be repaired or replaced in the event of an incident. But does that insurance cover the contents of a motorhome, or just the motorhome itself?
Personal Effects Often Part of Coverage
Most motorhome insurance policies offer personal effects coverage as part of a comprehensive plan. This coverage typically reimburses you if items inside your motorhome are stolen, damaged, or destroyed by covered events like fire, vandalism, or severe weather. However, coverage limits may apply, so it’s important to review your policy with your insurance representative to ensure it provides adequate protection for your unique belongings.
Items that carry a high value, such as expensive electronics or jewelry, may not be fully covered under a standard policy. To safeguard these items, you may need to add a personal property endorsement or schedule them separately. Policies may also specify whether they cover the replacement cost of your items or only their depreciated value, an important difference.
It’s worth noting that some motorhome owners may also rely on their homeowners or renters insurance for personal property coverage. While these policies often extend to belongings temporarily stored in a motorhome, they might have lower limits or exclusions that don’t apply under a dedicated motorhome insurance policy, so you should consider carrying motorhome insurance specifically.
Speak with your insurance provider at Americas Insurance Associates serving Florida to better understand your coverage for contents. Contact us today to get started.
