Understanding Motorhome and Personal Property Insurance

Purchasing a motorhome requires added insurance coverage that protects your new investment. However, the policy should also provide provisional coverage for your personal property. The Rickey McGill Insurance Agency of Arlington, TX staff can provide options that safeguard your motorhome and personal property.

What Personal Property is Covered

Motorhome insurance does protect your personal property from theft, loss, and damage. Some items that are included in a standard policy are clothing, shoes, laptops, mobile phones, and appliances. However, high-end items such as jewelry or fine art should have their own insurance policy. If these personal items are under a motorhome insurance policy, you will never gain full market value.

Add Comprehensive Coverage to Your Existing Policy

Adding comprehensive coverage to your existing motorhome insurance policy will expand the protection for your personal property. This is especially helpful if damage occurs in an on-road accident. Insurance brokers call the coverage "accidental loss or damage." The terms of the policy will cover personal property damage or loss from the accident.

Also, comprehensive coverage will protect you should your personal property be stolen or lost from the motorhome. The coverage pays for all costs of repairing or replacing the stolen or lost personal items. The addition of comprehensive coverage offers no delay in the claim process, even if the local authorities recover all stolen or lost personal property items. It is a worthwhile investment for all motorhome owners.

Your mobile home hosts many of your personal property, especially if the vehicle is your temporary residence while traveling from one location to another. The staff at Rickey McGill Insurance Agency of Arlington, TX can tailor an insurance policy that meets your specific needs. Call and schedule an appointment today.